Mi Tierra Auto Sales, Inc.

Dear Mr***
We realize how important this issue is to you, and we are committed
to be helpful to our customers as much as possible. Thus, we have talked both to our software
provider as well as Equifax before answering your question. Our software provider reports all of
our
loans automatically to the credit bureau in a way that is standard for the
automobile industry and accepted by Equifax.
Our software is utilized widely in the automobile industry, and its
process to report to the credit bureau is completely automated. While using this software, there is nothing
we as Mi Tierra Auto Sales need to do or can do to initiate or to file any
credit reports, nor can we make any changes at all It all happens automatically based on account
information, and on dates that are also automatically determined by the
software
We can confirm that in your case, through today’s date of
08/20/2014, our software has sent updates on your account on separate
occasions. It is important that under
payment rating, your account reads “payments past due (current account)” and
our understanding from our conversation with our software provider is that it
is being reported to the credit bureau in such a way
We understand your concern about the amount of $19,being
reported. This amount is the current
balance on your loan, including pre-computed interest. I attach a current account history for your
reference. Again, due to your concern,
we have gone and talked with both our software provider as well as Equifax, and
this is a standard way of reporting pre-computed interest loans in the
automobile industry
Finally, we are not allowed to make any statements about how
this loan may affect your credit score, nor can we make any comments about why
your mortgage application was denied. We
emphasize with you, and wish you success in your search for the mortgage. If you need a letter of good standing from us
we would be happy to provide one to you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  
We are still awaiting response from the credit bureau and should have a decision by September 11, 2014. 
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11835739, and find that this resolution would be satisfactory to me.

To this date, we have done everything we can to make Ms. Parketon a satisfied customer, providing her with an extraordinary level of service and we have agreed to everything she has asked for.  Although we have already gone to the extraordinary circumstance to substitute her first vehicle...

because she was not satisfied with it, we cannot switch her vehicle again 8 months after she has been driving it.Ms. Parketon left us a negative google review recently, where she also said many of the similar complaints she writes about in here.  For example, she also mentioned the interest rate was changed when going from one vehicle to another.  That is false, the loan rate is the same for both vehicles.  When she was substituted her vehicle she went to a higher value vehicle and naturally the loan takes a longer time to pay off and thus the interest amount is different.  But the loan rate is the same.When we received the negative google review, our sales manager talked with her to see what her situation was.  At that time, Ms. Parketon informed us she was under duress and changing her residence, and in the future would have difficulty making her car payments.  During the conversation, about a week ago, we again tried to please Ms. Parketon to an extraordinary degree.  We reached a verbal agreement to lower her payments to a level she could afford.  But to complete the agreement we asked Ms. Parketon to come into our office to sign the loan modification agreement.  Now, instead of coming in, she has filed a negative Revdex.com review and also filed this complaint.We are doing everything we can to work with Ms. Parketon in a reasonable way, and request for her to remove this complaint which has no basis.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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.   They have swapped out the 2013 [redacted] that had a lot of issues and also had a recalled on it. I now have a 2008 [redacted] As of right now it rides smooth and no problems right now just a check engine light is on. However I do like my new vehicle.

Ms. Parketon, We understand sometimes our customers go through difficult situations and this is why we are committed and willing to work with our customers to try to find a solution when there is a problem.  This has always been our attitude with you and all customers; we want to help our customers whenever it is possible to do so in reasonable ways.   We believe in doing business the right way, and we value our relationship with our customers as well.  We felt giving you the option to lower your biweekly payments from $210 to $185 was a good way to try to help you out given that you mentioned to our manager that you expect to be under a tighter budget after you switched residences.  We did not make this offer to haggle or because we have any kind of obligation to do so.  Our offer to lower the payment was done merely as a gesture of goodwill toward you. We note you have driven the car for more than 8 months.  You also made use of the 6 month warranty and did not have any issues with the repairs when the vehicle was returned to you.  We are open to reasonable requests, but frankly, given that you have had full use of the vehicle for this long, your request to have all the payments you have made toward this retail installment contract refunded is not a reasonable request. We suggest you come to our offices in person to try to work out a mutually workable solution.  If you want to give this a try, please call Ms. [redacted] Jasso at 713-644-2446 or email her at [email protected] and make an appointment to come in sometime next week and try to resolve this matter.   If you do not want to follow this course of action, we would request a mediation/arbitration hearing.

We would like for the customer and the Revdex.com to remove this complaint.After speaking to the customer they wanted us to accommodate their payment date with their payroll payments, which we gladly did.We also spoke to the customer in regards to vehicle issues, and after diagnosing the vehicle, even though the warranty has expired, we helped the client with repairs.In the normal course of business we regularly help any customers with these type of issues as long as they contact us or make any kind of communication with us.  In this case, we were not given that opportunity, the first time we heard of these issues was through this Revdex.com complaint.

[redacted], we are sorry to hear that you have had a negative experience with your car.  Our team works hard to ensure our cars are reliable and that we provide the level of service that is necessary according to each case when there is a breakdown.  As soon as we heard of your case, our...

management team reviewed your case.  So far, we have been able to verify that you were provided a loaner during the time that the vehicle was being repaired, which you continue to drive.  The vehicle has now been repaired by a factory dealership and we do have the proper paperwork. Today, [redacted] came into our dealership.  The company in an effort to please the customer beyond what is required offered her the possibility of swapping her into another vehicle, but after looking at the inventory she declined.  We are willing and open to find a mutually agreeable resolution with our customer in the very near future, and she has said she will come in on Monday to try to reach an agreement.

Dear Ms. [redacted],First of all, we want to apologize if we did not explain to your satisfaction what happened with the insurance claim.  On Sept 22, the insurance company declared your vehicle a total loss, and they sent us the payment on Sept 23rd.  That same day (before receiving your Revdex.com...

complaint dated Sept 24th), your account was closed upon receiving the insurance company's payment.  We want you to know the account was closed in good standing even though the insurance payment did not cover the full balance of your account.  You do not owe anything on this account anymore.We hope this clears up any misunderstanding you may have about your account which is now closed.  If you have any further questions, please email us at [email protected].

We care about our customers and would like to be able to help you.  We are very confident our systems are presenting the correct information to the bureau, as our platform is an industry leading platform and does this automatically.  Moreover, we have verified with both our platform and with personnel at e-oscar who are linked to the credit bureau, and this is a standard way of reporting in the automobile industry.  We would like to be able to help you and do something for you, for example if you require a letter of recommendation, or if you want us to provide your payment history to another lender.  We realize you are a previous customer and value the fact you have chosen us again, we would like to do everything possible to keep you happy if there is a way.  It is just that we are not allowed to manipulate credit data when we present our information to the credit bureaus.

Dear Mr. [redacted],
First of all, we want to recognize that you have been a
great customer for us, and we want to make sure we do everything possible to
keep you as a good customer of Mi Tierra Auto Sales.  We were made aware of the way your case was handled,
or perhaps mis-handled, and...

want to apologize that you were not treated in the
way you have come to expect from us.  It
is our policy to treat all our customers with respect, and we are doing out
utmost to ensure you are treated correctly and with a good rapport in the future.  We are going to put notes in your account
that you will deal with your regular collector, and if your normal collector
needs to escalate your account for any reason we will ask Ms. Marianella [redacted]
to intervene.  Her email is [redacted]
We also want to let you know upper management is open to
sitting down with you and talking about this further if you have any
needs.  If you want to schedule a talk
with upper management, or if you need to contact us in the future for any other
reason, please send an email to: [redacted]  This email is regularly checked by upper
management.  Also, if you feel you are
being treated unfairly, please contact us at this email and also send a copy to
our General Manager to [redacted]
In essence Mr. [redacted], we want to reassure you that we care
about our customers, and we are reviewing this situation to make sure you and
other customers are always treated with fairness and respect.  We always appreciate hearing back from our
customers and in that sense thank you for writing to us, as this allows us to
find out the areas we need to improve.

Ms. [redacted], First, we need to state that according to our records this vehicle was purchased in June 2015.  At that time, you test drove the vehicle and it was in a safe condition when you took delivery of it, as evidenced by the fact you have been driving the vehicle for over a...

year.However, it is our priority to help our customers keep the vehicle in good working order, and we want to help you.  Ms. Brenda [redacted] has been trying to reach you to your cellphone and also left a message, for the last few days, but she has not been able to establish contact.  Would you please email us at [email protected] and tell us how we can best contact you so that we can try to help you.  You can also call 713-644-2446 and ask to be transferred to Ms. [redacted].  If possible, we would like to take a look at the vehicle and see the best way to help you.In regards to the amount you owe and what is being reported to the credit bureau, the difference is mainly due to unearned interest which is not due at this time.  Your current payoff amount is $12,183.49 if you were to payoff the loan today.Thank you, and we look forward to being able to assist you in a more direct way.