I have read the complaint sent to me by Kinsel from your office regarding *** *** request to send him cash for gas.I was present at the time of purchase, along with Mr*** signing of all his paperwork at the time of sale However; Kinsel Insta Credit does not fill up all vehicles
sold at time of sale We do have some gas in the vehicle at time of delivery The salesperson did speak with me and asked me could we put more gas in Mr*** truck because it was less than 1/of tank after test driving I gave him permission to put $worth of gas At that time, the Mobil station we use, close to our business was open to business for not selling fuel, as they were upgrading all their pumps As of Wednesday, March 18, the Mobil station we use to buy gas was up and running The salesperson did tell me Mr*** did return on Monday, March to see if we could put gas in the truck he had purchased on Saturday, March At that time, we did call and was unable to do so, because the Mobil station was still not up and running.We do apologize if the salesperson was rude in explaining the situation, and did not intend to inconvenience Mr*** in any way.If Mr*** would like to put $extra gas in his vehicle, and bring a receipt, we will be glad to refund him.Thank you for your time,*** ***, General ManagerKinsel Insta Credit409-832-
[redacted]2008 BLACK NISSAN ALTIMAVIN: [redacted]NOTES ON ACCOUNT [redacted]COLLECTION OFFICE NOTES:7/19/14 PAYMENT DUE 398.387/23/14 13:09 L. [redacted] CALLED NO ANSWER7/24/14 15:15 L. [redacted] CALLED NO ANSWER, SENT PAST DUE NOTICE.7/25/14 16:37 L. [redacted] CALLED NO ANSWER MAILED PAST DUE...
NOTICE7/28/14 13:14 L. [redacted] CALLED NO ANSWER7/29/14 10:16 L. [redacted] CALLED NO ANSWER7/29/14 10:46 TOP GUN [redacted] SERVICE ALL AND STATED THAT THEY HAD PICKED UP VEHICLE FROM POLICE INPOUND, BUT THE INSURANCE PICKED THE VEHICLE UP. THEY HAD NO INFORMATION AT THAT TIME.7/29/14 13:08 V. [redacted] (COLLECTIONS MANAGER) CALLED NO ANSWER7/30/14 9:49 L. [redacted] CALLED NO ANSWER7/31/14 10:11 L. [redacted] CALLED NO ANSWER8/01/14 13:58 L. [redacted] CALLED NO ANSWER8/02/14 11:17 L. [redacted] CALLED NO ANSWER8/09/14 14:49 V. [redacted] CALLED. TELEPHONE CALL REJECTED BY THE CARRIER (BLOCKED KINSEL INSTA CREDIT)8/09/14 15:50 V. [redacted] CALLED. TELEPHONE CALL REJECTED BY THE CARRIER (BLOCKED KINSEL INSTA CREDIT)8/11/14 V. [redacted] CALLED THE INSURANCE COMPANY THE LEIN HOLDER HAD ON FILE. SPOKE WITH A MS. [redacted] WITH GEICO AND GAVE CLAIM# [redacted] and told Lien Holder that payment has been made for flood damages at [redacted] Express Collision to body shop only for repairs to be made.8/11/14 13:37 V. [redacted] CALLED CUSTOMER CALL REJECTED BY CARRIER8/14/14 10:12 V. [redacted] CALLED CUSTOMER CALL REJECTED BY CARRIER8/16/14, 8/18/14, 8/19/14 AND 8/26/14 V. [redacted] CALLED CUSTOMER AT THIS TIME PHONE JUST RANG, NO VOICEMAIL PICKED UP TO LEAVE MESSAGE.8/19/14 PAYMENT DUE OF 398.38 AND PAST DUE FOR 7/19/14 PAYMENT IN THE AMOUNT OF 392.80. CALLED CUSTOMER TO ASK FOR PAYMENT OF $796.76 - 2 MONTHS PAST DUE. NO ANSWER8/26/14 V. [redacted] CALLED [redacted] EXPRESS COLLISSION AND TALKED TO [redacted] STATED THAT THEY DID NOT REPAIR THE CAR, WHAT [redacted] RECEIVED PAYMENT FOR WAS A TOW BILL FOR 741.55 THAT WAS PAID BY GEICO TO HAVE THE VEHICLE MOVED TO [redacted] NISSAN TO HAVE VEHICLE REPAIRED there by their Insured K. [redacted]8/30/14 V. [redacted] CALLED NO ANSWER8/30/14 17:21 V. [redacted] CALLED, LEFT MESSAGE ON VOICE MAIL TO PLEASE CONTACT KINSEL INSTA CREDIT.9/03/14 11:50 V. [redacted] CALLED AND REACHED K. [redacted]. SHE STATED THAT SHE DIDN’T KNOW REALLY MUCH ABOUT THE CAR EXCEPT THAT EVERYTIME SHE CALLED [redacted] NISSAN THEY WOULD TELL HER THAT HER VEHICLE WAS NOT READY. MS. [redacted] STATED THAT SHE DID GIVE THE INVESTIGATOR A STATEMENT AND PROVIDED THEM A COPY OF THE TOW BILL. MS. [redacted] STATED THAT SHE DID NOT WANT TO MAKE PAYMENTS ON HER ACCOUNT FOR A CAR SHE WAS NOT DRIVING AND NOT SURE IF THE SHE WAS EVEN GOING TO GET HER CAR BACK. V. [redacted] STATED THAT SHE UNDERSTOOD, HOWEVER FROM A BUSINESS STAND POINT SHE HAD SIGNED A CONTRACT WITH THE LIEN HOLDER TO BORROW THE MONEY FOR THE LOAN TO PURCHASE THE VEHILCE. PER HER CONTRACT SHE MUST PAY HER PAYMENTS ON OR BEFORE THE DUE DATE, AS THERE IS NO GRACE PEROID. IF THE ACCOUNT GETS ANY FUTHER PAST DUE, IT WILL SHOW ON HER CREDIT BUREAU AS BEING PAST DUE AND A SLOW PAYMENT HISTORY WHICH WOULD EFFECT HER CREDIT SCORE. MS [redacted] STATED SHE WOULD CALL THE INSURANCE COMPANY TO FIND OUT WHAT WAS GOING ON AND WOULD BE GETTING BACK WITH US AS TO MAKE PAYMENT ARRANGEMENTS.9/18/14 L. [redacted] CALLED NO ANSWER9/19/14 PAYMENT DUE OF 398.38 AND PAST DUE FOR 7/19/14 AND 8/19/14 TOTAL DUE= $1,195.149/19/14 14:42 L. [redacted] CALLED, NO ANSWER, LEFT MESSAGE9/25/14 [redacted] FROM [redacted] NISSAN CALLED KINSEL INSTA CREDIT, COLLECTIONS DEPT. TALKED TO V. [redacted]. STATED THAT THE VEHILCE LEFT THEIR BODY SHOP, TO THE REPAIR SHOP FOR A NO START PROBLEM. THEY WERE CHECKING TO SEE IF IT WAS DUE TO THE INSURANCE FLOOD CLAIM. [redacted] stated that the wires from under the dash had been removed as if someone had tampered with the payment reminder device installed by Kinsel Insta Credit. V. [redacted] gave Mr. [redacted] a code to start the vehicle, however he stated that the vehicle had been tampered with and all the wires had been cut to start the vehicle and a code would not help at this time. Mr. [redacted] at [redacted] Nissan stated he was going to talk to his Supervisor and get back with us. V. [redacted] stated the same to [redacted] about possibly picking the vehicle up and bringing it back to Kinsel Insta Credit.9/25/14 [redacted] Nissan called and faxed over a bill for check and advice for a No Start Problem. The invoice states: CAR TOWED FROM BODY SHOP. FOUND ENGINE DISABLED DUE TO A GPS SHUTDOWN. FOUND CUSTOMER BYPASSED THE SHUT DOWN DEVICE AND HAS WIRES STRECHED FROM STARTER TO BATTERY TO FUSE BLOCK TO INSIDE FO VEHICLE AND MOVED COOLANT HOSE THAT CAUSE LOSE OF COOLANT. DIAG ONLY. VEHICLE NOT DRIVEABLE. INVOICE # 863586 AMOUNT DUE: $112.609/27/14 SPOKE WITH GEICO INSURANCE COMPANY ABOUT CLAIM. INSURANCE COMPANY STATED THAT THEY WERE NOT PAYING ANY CLAIM BECAUSE THE CUSTOMER HAD TAMPERED WITH THE VEHILCE AND DAMAGES WERE NOT DUE BY FLOODING.9/27/14 SPOKE WITH [redacted] NISSAN, AND TOLD THEM WE HAD A CHECK REQUEST SENT IN FOR THE AMOUNT OF $112.00 TO HAVE THE VEHICLE RELEASED TO KINSEL INSTA CREDIT, AND WOULD HAVE IT TOWED BACK TO LIEN HOLDER STOCK YARD.9/27/14 KINSEL INSTA CREDIT PICKED UP VEHICLE AND HAD TOWED BACK TO STOCK YARD.10/06/14 LETTER OF INTENT TO REPOSSESS WAS MAILED CERTIFIED MAIL AND NORMAL MAIL TO MS. [redacted] AND CO BUYER [redacted].10/19/14 PAYMENT DUE IN THE AMOUNT OF $398.38 TOTAL AMOUNT DUE FOR 4 MONTHS PAST DUE AND BILL TO [redacted] NISSAN FOR RECOVERY IN THE AMOUNT OF: $1,705.52.11/21/14 CERTIFIED LETTER RETURN WITH A REFUSED SIGNATURE. REGULAR LETTER NEVER RETURNED.12/15/14 VEHICLE SENT TO GULF COAST AUTO AUCTION. BALANCE OWED ON ACCOUNT IS IN THE AMOUNT OF : $13,020.00.12/15/14: VEHICLE SOLD AT AUCTION IN THE AMOUNT OF $4,810.00.12/16/14: ACCOUNT TURNED OVER TO THE REPORTING AGENCY IN THE DEFAULT AMOUNT OF $8,210.00 PER ACCOUNT.01/09/2015 CUSTOMER (MS [redacted]) CALLED AND SPOKE WITH VALERIE [redacted]. CUSTOMER STATED THAT SHE DID NOT KNOW THAT THE VEHICLE WAS TOWED BACK TO KINSEL INSTA CREDIT. SHE STATED SHE WAS NEVER NOTIFIED OF THE LETTER OF INTENT. V. [redacted] TOLD HER THAT THE CERTIFIED LETTER WAS RETURNED WITH A REFUSAL TO SIGN, BUT THE REGULAR MAILED LETTER WAS NOT RETURNED. SHE WAS TOLD THAT THE AMOUNT OF $8,210.00 WAS STILL OWED ON THE ACCOUNT. MS [redacted] ASKED HOW SHE COULD GET IT OFF HER CREDIT BUREAU. V. [redacted] STATED SHE WOULD HAVE TO PAY THE BALANCE CHARGED OFF AMOUNT OF $8,210.00 TO CLEAR THE ACCOUNT. CUSTOMER STATED TO V. [redacted] “OK”.THAT IS THE LAST CONTACT WE HAVE HAD WITH BUYER K. [redacted].[redacted]Kinsel Insta Credit11 North 11th StreetBeaumont, TX 77702(409) 832-0200(409) 833-6886 fax
Complaint: 10826658
I am rejecting this response because: when speaking with V.[redacted] I informed her that I had no problem with catching the past due balance up if the car was being returned to me. I repeatedly called Geico to get information about the car and was told my claim was under investigation and that a agent would be getting with me. When the agent contacted me I gave him all the information that was asked of me. I called and went up to [redacted] to check on the vehicle and was told the car had not been repaired yet because of the insurance claim issue. Even after checking on the car and leaving the repair shop all my information I was not informed to come pick up the vehicle. If I had been notified to come pick the vehicle up I would have paid the $1195.14 that was past due on the vehicle like I stated to V. [redacted]. I am not disputing the balance of $1705.52, I know that is the balance of my missed payments and fees. I have no objection in paying that amount . I am contesting the amount of $8210.00 that is on my credit report as a repossession. I never knew the vehicle had been picked up yet alone sold or I would have resolved all issues to get the vehicle back.
Sincerely,
[redacted]
I have read the complaint sent to me by Kinsel from your office regarding *** *** request to send him cash for gas.I was present at the time of purchase, along with Mr*** signing of all his paperwork at the time of sale However; Kinsel Insta Credit does not fill up all vehicles
sold at time of sale We do have some gas in the vehicle at time of delivery The salesperson did speak with me and asked me could we put more gas in Mr*** truck because it was less than 1/of tank after test driving I gave him permission to put $worth of gas At that time, the Mobil station we use, close to our business was open to business for not selling fuel, as they were upgrading all their pumps As of Wednesday, March 18, the Mobil station we use to buy gas was up and running The salesperson did tell me Mr*** did return on Monday, March to see if we could put gas in the truck he had purchased on Saturday, March At that time, we did call and was unable to do so, because the Mobil station was still not up and running.We do apologize if the salesperson was rude in explaining the situation, and did not intend to inconvenience Mr*** in any way.If Mr*** would like to put $extra gas in his vehicle, and bring a receipt, we will be glad to refund him.Thank you for your time,*** ***, General ManagerKinsel Insta Credit409-832-
[redacted]2008 BLACK NISSAN ALTIMAVIN: [redacted]NOTES ON ACCOUNT [redacted]COLLECTION OFFICE NOTES:7/19/14 PAYMENT DUE 398.387/23/14 13:09 L. [redacted] CALLED NO ANSWER7/24/14 15:15 L. [redacted] CALLED NO ANSWER, SENT PAST DUE NOTICE.7/25/14 16:37 L. [redacted] CALLED NO ANSWER MAILED PAST DUE...
NOTICE7/28/14 13:14 L. [redacted] CALLED NO ANSWER7/29/14 10:16 L. [redacted] CALLED NO ANSWER7/29/14 10:46 TOP GUN [redacted] SERVICE ALL AND STATED THAT THEY HAD PICKED UP VEHICLE FROM POLICE INPOUND, BUT THE INSURANCE PICKED THE VEHICLE UP. THEY HAD NO INFORMATION AT THAT TIME.7/29/14 13:08 V. [redacted] (COLLECTIONS MANAGER) CALLED NO ANSWER7/30/14 9:49 L. [redacted] CALLED NO ANSWER7/31/14 10:11 L. [redacted] CALLED NO ANSWER8/01/14 13:58 L. [redacted] CALLED NO ANSWER8/02/14 11:17 L. [redacted] CALLED NO ANSWER8/09/14 14:49 V. [redacted] CALLED. TELEPHONE CALL REJECTED BY THE CARRIER (BLOCKED KINSEL INSTA CREDIT)8/09/14 15:50 V. [redacted] CALLED. TELEPHONE CALL REJECTED BY THE CARRIER (BLOCKED KINSEL INSTA CREDIT)8/11/14 V. [redacted] CALLED THE INSURANCE COMPANY THE LEIN HOLDER HAD ON FILE. SPOKE WITH A MS. [redacted] WITH GEICO AND GAVE CLAIM# [redacted] and told Lien Holder that payment has been made for flood damages at [redacted] Express Collision to body shop only for repairs to be made.8/11/14 13:37 V. [redacted] CALLED CUSTOMER CALL REJECTED BY CARRIER8/14/14 10:12 V. [redacted] CALLED CUSTOMER CALL REJECTED BY CARRIER8/16/14, 8/18/14, 8/19/14 AND 8/26/14 V. [redacted] CALLED CUSTOMER AT THIS TIME PHONE JUST RANG, NO VOICEMAIL PICKED UP TO LEAVE MESSAGE.8/19/14 PAYMENT DUE OF 398.38 AND PAST DUE FOR 7/19/14 PAYMENT IN THE AMOUNT OF 392.80. CALLED CUSTOMER TO ASK FOR PAYMENT OF $796.76 - 2 MONTHS PAST DUE. NO ANSWER8/26/14 V. [redacted] CALLED [redacted] EXPRESS COLLISSION AND TALKED TO [redacted] STATED THAT THEY DID NOT REPAIR THE CAR, WHAT [redacted] RECEIVED PAYMENT FOR WAS A TOW BILL FOR 741.55 THAT WAS PAID BY GEICO TO HAVE THE VEHICLE MOVED TO [redacted] NISSAN TO HAVE VEHICLE REPAIRED there by their Insured K. [redacted]8/30/14 V. [redacted] CALLED NO ANSWER8/30/14 17:21 V. [redacted] CALLED, LEFT MESSAGE ON VOICE MAIL TO PLEASE CONTACT KINSEL INSTA CREDIT.9/03/14 11:50 V. [redacted] CALLED AND REACHED K. [redacted]. SHE STATED THAT SHE DIDN’T KNOW REALLY MUCH ABOUT THE CAR EXCEPT THAT EVERYTIME SHE CALLED [redacted] NISSAN THEY WOULD TELL HER THAT HER VEHICLE WAS NOT READY. MS. [redacted] STATED THAT SHE DID GIVE THE INVESTIGATOR A STATEMENT AND PROVIDED THEM A COPY OF THE TOW BILL. MS. [redacted] STATED THAT SHE DID NOT WANT TO MAKE PAYMENTS ON HER ACCOUNT FOR A CAR SHE WAS NOT DRIVING AND NOT SURE IF THE SHE WAS EVEN GOING TO GET HER CAR BACK. V. [redacted] STATED THAT SHE UNDERSTOOD, HOWEVER FROM A BUSINESS STAND POINT SHE HAD SIGNED A CONTRACT WITH THE LIEN HOLDER TO BORROW THE MONEY FOR THE LOAN TO PURCHASE THE VEHILCE. PER HER CONTRACT SHE MUST PAY HER PAYMENTS ON OR BEFORE THE DUE DATE, AS THERE IS NO GRACE PEROID. IF THE ACCOUNT GETS ANY FUTHER PAST DUE, IT WILL SHOW ON HER CREDIT BUREAU AS BEING PAST DUE AND A SLOW PAYMENT HISTORY WHICH WOULD EFFECT HER CREDIT SCORE. MS [redacted] STATED SHE WOULD CALL THE INSURANCE COMPANY TO FIND OUT WHAT WAS GOING ON AND WOULD BE GETTING BACK WITH US AS TO MAKE PAYMENT ARRANGEMENTS.9/18/14 L. [redacted] CALLED NO ANSWER9/19/14 PAYMENT DUE OF 398.38 AND PAST DUE FOR 7/19/14 AND 8/19/14 TOTAL DUE= $1,195.149/19/14 14:42 L. [redacted] CALLED, NO ANSWER, LEFT MESSAGE9/25/14 [redacted] FROM [redacted] NISSAN CALLED KINSEL INSTA CREDIT, COLLECTIONS DEPT. TALKED TO V. [redacted]. STATED THAT THE VEHILCE LEFT THEIR BODY SHOP, TO THE REPAIR SHOP FOR A NO START PROBLEM. THEY WERE CHECKING TO SEE IF IT WAS DUE TO THE INSURANCE FLOOD CLAIM. [redacted] stated that the wires from under the dash had been removed as if someone had tampered with the payment reminder device installed by Kinsel Insta Credit. V. [redacted] gave Mr. [redacted] a code to start the vehicle, however he stated that the vehicle had been tampered with and all the wires had been cut to start the vehicle and a code would not help at this time. Mr. [redacted] at [redacted] Nissan stated he was going to talk to his Supervisor and get back with us. V. [redacted] stated the same to [redacted] about possibly picking the vehicle up and bringing it back to Kinsel Insta Credit.9/25/14 [redacted] Nissan called and faxed over a bill for check and advice for a No Start Problem. The invoice states: CAR TOWED FROM BODY SHOP. FOUND ENGINE DISABLED DUE TO A GPS SHUTDOWN. FOUND CUSTOMER BYPASSED THE SHUT DOWN DEVICE AND HAS WIRES STRECHED FROM STARTER TO BATTERY TO FUSE BLOCK TO INSIDE FO VEHICLE AND MOVED COOLANT HOSE THAT CAUSE LOSE OF COOLANT. DIAG ONLY. VEHICLE NOT DRIVEABLE. INVOICE # 863586 AMOUNT DUE: $112.609/27/14 SPOKE WITH GEICO INSURANCE COMPANY ABOUT CLAIM. INSURANCE COMPANY STATED THAT THEY WERE NOT PAYING ANY CLAIM BECAUSE THE CUSTOMER HAD TAMPERED WITH THE VEHILCE AND DAMAGES WERE NOT DUE BY FLOODING.9/27/14 SPOKE WITH [redacted] NISSAN, AND TOLD THEM WE HAD A CHECK REQUEST SENT IN FOR THE AMOUNT OF $112.00 TO HAVE THE VEHICLE RELEASED TO KINSEL INSTA CREDIT, AND WOULD HAVE IT TOWED BACK TO LIEN HOLDER STOCK YARD.9/27/14 KINSEL INSTA CREDIT PICKED UP VEHICLE AND HAD TOWED BACK TO STOCK YARD.10/06/14 LETTER OF INTENT TO REPOSSESS WAS MAILED CERTIFIED MAIL AND NORMAL MAIL TO MS. [redacted] AND CO BUYER [redacted].10/19/14 PAYMENT DUE IN THE AMOUNT OF $398.38 TOTAL AMOUNT DUE FOR 4 MONTHS PAST DUE AND BILL TO [redacted] NISSAN FOR RECOVERY IN THE AMOUNT OF: $1,705.52.11/21/14 CERTIFIED LETTER RETURN WITH A REFUSED SIGNATURE. REGULAR LETTER NEVER RETURNED.12/15/14 VEHICLE SENT TO GULF COAST AUTO AUCTION. BALANCE OWED ON ACCOUNT IS IN THE AMOUNT OF : $13,020.00.12/15/14: VEHICLE SOLD AT AUCTION IN THE AMOUNT OF $4,810.00.12/16/14: ACCOUNT TURNED OVER TO THE REPORTING AGENCY IN THE DEFAULT AMOUNT OF $8,210.00 PER ACCOUNT.01/09/2015 CUSTOMER (MS [redacted]) CALLED AND SPOKE WITH VALERIE [redacted]. CUSTOMER STATED THAT SHE DID NOT KNOW THAT THE VEHICLE WAS TOWED BACK TO KINSEL INSTA CREDIT. SHE STATED SHE WAS NEVER NOTIFIED OF THE LETTER OF INTENT. V. [redacted] TOLD HER THAT THE CERTIFIED LETTER WAS RETURNED WITH A REFUSAL TO SIGN, BUT THE REGULAR MAILED LETTER WAS NOT RETURNED. SHE WAS TOLD THAT THE AMOUNT OF $8,210.00 WAS STILL OWED ON THE ACCOUNT. MS [redacted] ASKED HOW SHE COULD GET IT OFF HER CREDIT BUREAU. V. [redacted] STATED SHE WOULD HAVE TO PAY THE BALANCE CHARGED OFF AMOUNT OF $8,210.00 TO CLEAR THE ACCOUNT. CUSTOMER STATED TO V. [redacted] “OK”.THAT IS THE LAST CONTACT WE HAVE HAD WITH BUYER K. [redacted].[redacted]Kinsel Insta Credit11 North 11th StreetBeaumont, TX 77702(409) 832-0200(409) 833-6886 fax
Complaint: 10826658
I am rejecting this response because: when speaking with V.[redacted] I informed her that I had no problem with catching the past due balance up if the car was being returned to me. I repeatedly called Geico to get information about the car and was told my claim was under investigation and that a agent would be getting with me. When the agent contacted me I gave him all the information that was asked of me. I called and went up to [redacted] to check on the vehicle and was told the car had not been repaired yet because of the insurance claim issue. Even after checking on the car and leaving the repair shop all my information I was not informed to come pick up the vehicle. If I had been notified to come pick the vehicle up I would have paid the $1195.14 that was past due on the vehicle like I stated to V. [redacted]. I am not disputing the balance of $1705.52, I know that is the balance of my missed payments and fees. I have no objection in paying that amount . I am contesting the amount of $8210.00 that is on my credit report as a repossession. I never knew the vehicle had been picked up yet alone sold or I would have resolved all issues to get the vehicle back.
Sincerely,
[redacted]
The issue has not been resolved now there stating nothing was wrong with the car