MCMC Auto

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute
I repeatedly made it clear to MCMC that the car was causing me problem after problemThe lady on the phone at MCMC told me it wasn't their problem that the car was not drivable and just told me to pay my car note or get repo'dThat is absolutely horrible customer service to someone who has invested so much money in a small time frame with their businessI spoke with *** about repairs, he told me a place to take it to, and told me about my warranty and said "but if it's not covered y'all can figure that out." Never giving me clear, confident answersThat is why I did not take the car to the shop because I could not afford anymore surprises from MCMC or any of their affiliatesBesides the horrible service I have experienced, I went and read reviews on their businessHORRIBLE! My situation is actually their usual customer complaint, being sold a car that is a "lemon" and having to deal with this frustration and financial burden*** told me that my car had roadside assistance and the tow would be covered, I let him know that I live no where near their business and asked if distance mattered, he then again told me "probably not but if it costs you, we can figure something out." These responses to my direct questions are why I made no attempt to do further business with MCMC AUTO and simply ask for my down payment refunded to meI had a mobile mechanic come out to give me an estimate for the car repair and he found so many problems with the car, he said "it looks as though they put a bandaid on a broken arm." I can gladly give his information, I also have picturesWhen the lady on the phone told me "that's not our problem, pay the car note or get repo'd" I knew then that this car lot was just out to screw over their customersI've never heard anyone say that to a paying customer, a NEW customer at thatSo after the horrible reviews and bad service I experienced, I decided to make a report and request my initial down payment refunded
Regards,
*** ***

Every account is verified for insurance at the time of the actual reinstatementMs*** was informed that she needed valid full coverage insurance in order to reinstate her loan with uswhen we attempted to verify the coverage, the insurance company indicated it was a month to month policy
and it had not been paid yet and was past dueIn the event of a loss, we were informed that we would not have coverage under the policyWe had every intention of reinstating the loan but without the coverage being effective to properly cover our security interest int he vehicle we are not willing to reinstate a loan.The vehicle was days past due for a total of $at the time of repossession.

The plates were located at our store in Weatherford and are being transported back to the Arlington location so they can be placed on the vehicleMistakes happen sometimes and we certainly apologize that there was an issue with the tagsWe notify people as soon as the tags are in so if there is an
issue, we aren't in a situation like we were on Saturday.As for the battery, we were notified on 8/16/that there was an issue with the vehicle startingTony offered to sell a replacement battery to the customer at cost, but the customer declined that offerWe do not provide any type of warranty on items like batteries, at the time of delivery the battery was checked and working properlyThe issue did not present itself until days after the saleIt is unfortunate that this occurred, and as a gesture of goodwill, I am providing a credit of $off the payoff on the vehicle.When the loan is paid down to a $balance, I will waive the remaining balance.

On July 3rd we were in contact with the customer regarding the returned item on the account We were attempting to make arrangements to resolve the issue but were unable to complete the process due to a disconnection of the phone, we attempted to cal back immediately with no response
Additional attempts to reconnect with the customer were made via text, email and phone with no responseOn July 10th, we assigned for repossession due to lack of contactOnce vehicle was secured, the customer was able to reach us.We have been in contact with the customer who indicated that she was not willing to pay the repossession fees and storage charge and no longer wants the vehicle

For a million dollar company to fuss over floor mats is beyond meIf I would have known it would take over months, I would have left the car and ask for one with floor matsIf you are going to sell a car with missing parts just let the customer know and offer discount on the car for not being fully equipped at least they can have an option to accept or rejectIf I would miss a payment and asked you to wait days for it I would not have a carWhy don't you just label your cars AS IS and I would not expect as much.( Eventhough I am being charged like it is a new car 30,000.dollars)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute
No statement I made is untrue, and in fact one call that happened was on Wednesday July 6th, where I was threatened with "pay or get repossessed." I had the representative On speaker phone so my sister could hear how rude the lady was for herselfMy sister was actually the one that said "let them repossess the car if that's how they treat customers oh my gosh." Although I have had several rude encounters this one only stood out because my sister had to give me a ride to an important appointment and so I remember the date for that reasonThe lady actually asked me for the address of where the car was and said I'll have it repossessed todayYes, roadside assistance was to be initiated by me and again, I made it very clear that I was not putting out more money into this situationI was told the roadside was free and it wasn'tI was threatened with repossession and after that I made no attempt to bring the car to them, why? So I could pay for a tow just to have my car repossessed? The poor customer service was not convincing me that I was not going to suffer even more of a financial lossI wish I would have documented every date and time that I had problems with MCMC and the car they wrongfully sold meIt's ridiculous the amount of problems I had in less than monthsMatter of fact, I wish I would have read their reviews BEFOREHAND, I would have saved myself from all of this
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The guy I spoke with was not helpful and
rude as well! Id rather just give the car back! This is by far the worst experience everHe ofdered to reverse the fee but it was all in the way he said it! Just rude!
Regards,
*** ***

I have reviewed the recorded phone calls we have regarding the contact with our Customer Service DepartmentAt no time did anyone advise her to pay or be repossessedWe made repeated attempts t o contact Ms***Our records indicate *** attempted contact on at least occasions to get the vehicle brought in for repairThe Roadside Assistance would have brought the vehicle over to usRoadside Assistance needs to be initiated by the customer, they will not move a car at our directionMs*** failed to make even the slightest attempt to get the vehicle brought to usWe assist many people everyday with repair issuesThe accusations being made in her response are unwarranted and untrue

When the account was initially set up for semi-monthly payments, we did adjust the account to pay double payments int he amount of $via autopayShortly after setting that up, the payment failed, which caused the account to revert back to a semi-monthly payment status and also be past dueSince
that time, we have been receiving semi-monthly payments and we have attempted to reset tot he monthly, but that would require the account be paid ahead to avoid a late chargeThe information provided was accurate in so far as to advise of the late charge and we would certainly accommodate that request.Based on this complaint, I went ahead and deferred a payment to bring it current, set up the autopay to begin on the 16th of the month, which technically will be past due day every month but will have no impact on the account as far as additional feesIf the payment does not successfully run for some reason, it will wind up past due and there could potentially be late charges or fees to process one-time payments to get back on track.Thank you for bringing this to my attention, I will coach my representatives on making solutions easier for our customers

DisagreeNever have I once threaten to blow you up, your company is so childish and irrelevant want to point fingers Yes I do agree to cursing you outI have every right to be upsetI've had issues with this company since the beginning. It was insured when I paid the on the 4th of April when I paid my car noteI was behind a and you felt like that vehicle needed to be towed after I told I would be in the next following sat which was the 16th of AprilYou didn't want to give it me from the beginning and you had to find a reason to take it backThe next following week I got the car you General Manager *** *** call my personally threaten me to take the vehicle from a number I still have the number save in my phone and the voicemail that he left soHe will be expecting a personal call from my lawyer on his cellular phone God bless you soul and have mercy on your soulThank you and please I rather for you not to respond because this conversation is over

I would like to see a copy of the contract that Ms*** hasI take great offense to the fact that she is claiming we have tampered with the contractPlease provide me with a copy of the contract for review

We will submit the information through e-Oscar to attempt to update the accountThe Credit Reporting Agencies have provided direction to us that the most efficient way to update information is through their on-line portalBased on the tape that we provided, the account should have reflected as
closedThat is how we reported it to all bureaus.*** Above is the link that is typically used and will update the information in about 7-business days. Again, we will attempt to update the information through our portal today

I would like to see a copy of the contract that Ms*** hasI take great offense to the fact that she is claiming we have tampered with the contractPlease provide me with a copy of the contract for review.

The account was transferred to another lender and while there was a delay in the reporting of the information to the credit bureaus, this information has been updated to Experian and is reflected on the Experian Credit BureauEquifax has also been updated and that information should be reflected as
of this weekThe information reported will reflect all payments made as Ms*** requestedThe TransUnion reporting has not been updated and it will take some time for *** *** to go through the process of getting the proper membership information required of TransUnion to participate in reporting to them*** *** is working on that.I have been in contact with Ms*** and requested that she allow me to pull a credit report to show here where it is in fact being reported but she will not authorize me to do soI requested that she provide me with the documentation she has so that I may contact Experian and Equifax on her behalfI am waiting on the information now. As for the payments, the payments are being applied to her account and we can provide her with the ledger that shows her payments are being madehowever, the account is currently days past due and no payment has been received since 5/1/I understand her frustration, but if there is an issue I will have it resolved, but withholding payment while we research this is not acceptable and this was communicated to Ms***.

I spoke with Mr *** on January 4th in reference to the issues he was experiencingI told him I would get him in immediately for repairsWe agreed to a 9am appointment the following day, the customer failed to appear for the appointment.Ms*** called and spoke with Asst at Lancaster Branch
and rescheduled for Friday 1/The appointment was scheduled for an outside repair facilityThe owner advised me that they arrived on time and that he assured them that the vehicle would be handled and back to them by noon that dayThe customer indicated that was too long and leftWhen we made the appointments, we indicated that we would need them to leave the vehicle with us to determine the issue with the headlight, which was replaced previously, if parts needed to be ordered it could take longer than expected, but never promised a specific timeframe to complete.I spoke with Ms*** again yesterday, Monday 1/11, in reference to the appointment that was scheduled and then they decided to leaveI informed her that we never promise a specific timeframe to complete the repairsMs*** stated that she felt we were running some kind of scam, at which point I offered her a complete refundShe indicated that we are now just trying to get rid of themI advised it is nothing of the sort, but if she feels that strongly about the experience that we would be more than happy to refund herI would rather do that, than have an unhappy customerShe stated she would speak with her husband regarding the situation and call me back.I provided her my personal cell number to contact me directly so that I may resolve the issueI never received a call, but I did receive this Revdex.com messageI will refund Mr and Ms*** their full down payment plus the first payment they made on the account todayI just need the vehicle returned so I can do that

We have original title that is not reflecting as salvagePulled TxDot records and the vehicle is not reporting as salvage, which if it were reported as total loss would reflect as suchPulled AutoCheck report and there is no indication of issues relating to wreck or frame damage.Our records also
indicate the customer is carrying full coverage insurance so I am unclear as to who is not covering the vehicle due to "total loss" and what they are basing that decision on.We have reported credit history to all three credit reporting agencies, last data transfer was on 12/and that was data through end of NovemberDecember data transfer is scheduled for January 15thIf there is something missing on the credit reports, I would ask that a copy of the bureau in question be provided to us for review.We have been in contact with Mr*** and offered to let him out of his contract with no negative reporting on his credit and not owing us any additional moniesWe will not issue a refund of any monies but will release him from future obligations.

I attempted to attach the retail installment contract but the website does not appear to allow thatIn the retail installment sales contract on the first page, it states that all parties agree to the terms and conditions of the contracteach individual agreed to maintain insurance on the vehicle.When the vehicle was delivered, we received a binder from GEICO that failed to show Ms*** as a driver, it was overlooked and the vehicle was deliveredWhen our insurance department contacted GEICO regarding this issue, they were informed that Ms*** was not eligible to be listed as an insured driverProviding MCMC with the proper insurance coverage is the responsibility of the customers.I have offered to refund the full initial investment and I also offered to reduce the initial investment to cover the $for CPI if they choose thatThey could also find an alternative outside insurance company that would cover Ms*** as an insured driver.

Complaint: ***
I am rejecting this response because:I called *** and he didn't answer, no documentation was sent to me at all and I did dispute the repo on my credit and no changes were made
Regards,
*** ***

At no time were multiple payments the issue with the disputeWe do have alternatives to debit card and credit card paymentsWe offer a "Pay Near Me" option that would allow the customer to make the paymentWe reserve the right to accept or not accept any payment method and in this case we are
choosing to not allow payment methods that can be disputed for no valid reasonHad there been multiple payments taken and we were given the opportunity to address, we would have gladly reversed the errorAgain,t his was not the caseWe are not accepting online payments any longer

Collateral protection insurance is optional coverage for comp and collisionThe State of Texas requires liability insurance for vehicle registrationEvery customer is offered the CPI product as an alternative to costly comp and collision insuranceEvery customer signs an acknowledgement form
stating they understand they are required to get their own liability insuranceIt is also part of the closing video that every customer watched prior to taking deliveryIf the customer wants to provide us with full coverge outside insurance, the CPI product will be removed from the account