MCMC Auto

Ms. [redacted] returned the vehicle due to repair issues and indicated that she had purchased elsewhere and no longer wished to keep the vehicle. At the time of sale, there was no hail damage to the vehicle. Every vehicle we sell, if it has hail damage, which is rare, is required to have a "hail damage...

disclosure" signed by the customer.We will honor the request and have the negative account removed from Ms. Black's credit report. Kind regards,[redacted]General ManagerMCMC Auto, Ltd.

Complaint: [redacted]
I am rejecting this response because:I called [redacted] 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,
[redacted]

Collateral protection insurance is optional coverage for comp and collision. The State of Texas requires liability insurance for vehicle registration. Every customer is offered the CPI product as an alternative to costly comp and collision insurance. Every customer signs an acknowledgement form...

stating they understand they are required to get their own liability insurance. It is also part of the closing video that every customer watched prior to taking delivery. If the customer wants to provide us with full coverge outside insurance, the CPI product will be removed from the account.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

We spoke with customer on 12/12 and requested documentation to show that she was unable to work for a period of time. We never requested information relating to specific medical reason, simply documentation that could be reviewed for possible assistance. ie Return to work letter In addition,...

the customer advised would be making a payment on 12/15. The last contact we had with customer was on 12/12, until 1/18. At that point the vehicle was out for repossession effective 1/15. On 01/18 we informed the customer that we were still not in receipt of the requested documentation.If the account has not been secured and we receive the documentation requested, we will certainly be willing to review and work out a solution that is agreeable to both the customer and us. Once the vehicle is secured, we will still be willing to reinstate the loan and return the vehicle to the customer once all fees and past due payments are made.Regarding third party over the phone transactions, policy requires any third parties that are not on the account to make payments in person to sign receipt to confirm authorization.

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 Bureau. Equifax has also been updated and that information should be reflected as...

of this week. The information reported will reflect all payments made as Ms. [redacted] requested. The TransUnion reporting has not been updated and it will take some time for [redacted] to go through the process of getting the proper membership information required of TransUnion to participate in reporting to them. [redacted] is working on that.I have been in contact with Ms. [redacted] 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 so. I requested that she provide me with the documentation she has so that I may contact Experian and Equifax on her behalf. I 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 made. however, the account is currently 35 days past due and no payment has been received since 5/1/17. 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. [redacted].

I don't agree. There was never an altercation with the gentlemen with me or did he threaten you at all. It is very unprofessional for you to put him in the mixed of what's going on with the vehicle that I purchase from you. It was an disagreement with the fact you told me that you wasn't going to put me in another vehicle unless I take that one, and that I had to walk home because I didn't have a choice to make with the car you was putting me in. I was willing to even put more down for the car that I wanted. Also, it wasn't a Elantra that I purchase it was an Accent. The battery that was put in the 2012 Hyundai Sonata I bought that battery because your technical guy Tony stated that I need to replace the battery or the starter because it wasn't covered under the warranty. I took the old battery back to Hyundai and dropped it off the next day and I informed [redacted] of that. I made an arrangement with one of your agents and told her that I will be there the next flowing Saturday. Which was the 16th of April. My car was towed on the 15th. You took the license plates money out of my car note for what reason and I informed you that I was going to be there. I didn't received a receipt nor a notice that you was talking out of my car note.   That what made my car note late. Because your representatives making decision on my account without the customer.

I have been in customer service for over 20 years and this is such a simple fix. I could understand if the car was an AS IS car but this car has a warranty 2014 and for a million dollar company to fuss over 100 floor mats is beyond me. If I would have known it would take over 3 months, I would have left the car and ask for one with floor mats. If 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 reject. If I would miss a payment and asked you to wait 90 days for it I would not have a car.

I offered to not charge the fee that I incurred from my bank. It is unclear to me how or what more that I could have done.

We are mailing a copy of the original contract to the customer at:[redacted] 
[redacted] **  [redacted]
The down payment was made...

in cash, so the contract itself will be evidence of the down payment made. The vehicle was repossessed as a result of non-payment. Account was assigned for repossession on 4/14/2010 for lack of payment, was repossessed on 4/15/2010. We spoke with the customer on 4/15/2010 regarding the possible reinstatement of the loan and customer was disputing the past due amount. She was given the address to teh office to address the possibility of the disputed payment but failed to appear or provide any documentation to support payments that she had made. It is unclear to me exactly what is being disputed at this time. The customer does not disagree with the fact that the vehicle was repossessed. I have our Director of Customer Service contacting her to identify exactly what the issue is regarding. As stated, copy of the contract will be forwarded to the customer as requested.

Complaint: [redacted]
I am rejecting this response because: They will not show me the bill they have for these tow and storage fees. They are just telling me an amount without proof. Everything they are saying and doing is without documentation. I find that very dishonest that they will not put anything in writing. They also stated that will intend to close my account in good stating not that they would.
Regards,
[redacted]

I spoke with Ms. [redacted] in reference to the phone call she is complaining about. I also reviewed the content of the call prior to speaking with her. In my opinion, there was definitely opportunity to handle it differently. We were not violating any FDCPA rules. I do believe Ms. [redacted] took...

offense to some basic information that was provided to her regarding success in our program. I did apologize to Ms. [redacted] in reference to the situation. After continued expression of dissatisfaction, I did offer to refund Ms. [redacted] all of her money as a way to satisfy her concerns. She indicated that she would not be able to ever speak to someone in our Customer Service Department again, the offer was simply a way for her to remove her from a situation that she feels will continue. I take every complaint we receive seriously and strive to make our department better when it concems to customer interactions.

We had arrangements with the customer that were made on 1/20 and had every intention of keeping those arrangements with Ms. [redacted]. In addition, we provided a deferral in December to assist with the past due issue. However  on 1/23, we received notice of a returned check which changed the level...

of delinquency on the account. We attempted to contact the customer via phone number on file.  We continued to attempt contact with Ms. [redacted] for 7 days, at which time we proceeded with repossession due to the lack of contact. As far as me, the [redacted], declining her arrangement, this is not accurate. had the check return not occurred, her arrangements would have been acceptable to me. We did give Ms. [redacted] an opportunity to reinstate the loan but she declined.

Our records indicate we spoke with the customer regarding the issues with the vehicle on 11/4/15. We scheduled an appointment for 11/12/15 to address the issues but the customer failed to show for his appointment. The customer returned the vehicle on 11/18/15. We did attempt to handle the issue...

again, at the time he returned the vehicle, but the customer refused and surrendered the vehicle.If the customer would like us to resolve the issue, we are still more than happy to do that.

We reported it properly but we certainly understand the situation. We will contact the Credit Reporting Agencies and have the account corrected to reflect paid in full

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
I will say it should not have gone to this point to get a resolution!
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11477106, and have determined that this does not resolve my dispute. Basically they've proposed and...

agreement but have not fallowed through on anything besides giving my car back 2 days later than expected with a empty tank.

The vehicle was sold on 2/12/2016 with 94,389 miles, when we took possession of the vehicle on 7/19/20/16, the mileage recorded was 111,336. The vehicle was driven mover than 3300 miles per month while in Ms. [redacted]'s possession. There was an extended warranty on the vehicle that would have covered for the issues indicated. However, the issue came down to Ms. [redacted] failing to respond to the numerous requests to have the vehicle brought in for the necessary repairs.A pre-owned vehicle can never be fully guaranteed of faults. That is why we provide a 12 month, 12,000 mile warranty with every purchase in addition to the optional extended warranty. It is my opinion that a vehicle being driven over 3300 miles per month appears to be more than average driving, however, as stated previously, it would have been covered under the extended warranty. Ms. [redacted] chose to not address the issue and is requesting a refund instead.  We are not going to provide any type of refund based on the fact that Ms. [redacted] failed to allow us the opportunity to address the issues and make them right.

I attempted to attach the retail installment contract but the website does not appear to allow that. In the retail installment sales contract on the first page, it states that all parties agree to the terms and conditions of the contract. each individual agreed to maintain insurance on the vehicle.When the vehicle was delivered, we received a binder from GEICO that failed to show Ms. [redacted] as a driver, it was overlooked and the vehicle was delivered. When our insurance department contacted GEICO regarding this issue, they were informed that Ms. [redacted] was not eligible to be listed as an insured driver. Providing 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 $89 for CPI if they choose that. They could also find an alternative outside insurance company that would cover Ms. [redacted] as an insured driver.

I spoke with Mr [redacted] on January 4th in reference to the issues he was experiencing. I told him I would get him in immediately for repairs. We agreed to a 9am appointment the following day, the customer failed to appear for the appointment. .Ms. [redacted] called and spoke with Asst at Lancaster Branch...

and rescheduled for Friday 1/8. The appointment was scheduled for an outside repair facility. The 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 day. The customer indicated that was too long and left. When 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. [redacted] again yesterday, Monday 1/11, in reference to the appointment that was scheduled and then they decided to leave. I informed her that we never promise a specific timeframe to complete the repairs. Ms. [redacted] stated that she felt we were running some kind of scam, at which point I offered her a complete refund. She indicated that we are now just trying to get rid of them. I 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 her. I would rather do that, than have an unhappy customer. She 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 issue. I never received a call, but I did receive this Revdex.com message. I will refund Mr and Ms. [redacted] their full down payment plus the first payment they made on the account today. I just need the vehicle returned so I can do that.