Millars Tireman

[redacted] BLACK NISSAN ALTIMAVIN: [redacted] NOTES ON ACCOUNT [redacted] COLLECTION OFFICE NOTES:7/19/PAYMENT DUE 398.387/23/13:L [redacted] CALLED NO ANSWER7/24/15:L [redacted] CALLED NO ANSWER, SENT PAST DUE NOTICE.7/25/16:L [redacted] CALLED NO ANSWER MAILED PAST DUE NOTICE7/28/13:L [redacted] CALLED NO ANSWER7/29/10:L [redacted] CALLED NO ANSWER7/29/10:TOP GUN [redacted] SERVICE ALL AND STATED THAT THEY HAD PICKED UP VEHICLE FROM POLICE INPOUND, BUT THE INSURANCE PICKED THE VEHICLE UPTHEY HAD NO INFORMATION AT THAT TIME.7/29/13:V [redacted] (COLLECTIONS MANAGER) CALLED NO ANSWER7/30/9:L [redacted] CALLED NO ANSWER7/31/10:L [redacted] CALLED NO ANSWER8/01/13:L [redacted] CALLED NO ANSWER8/02/11:L [redacted] CALLED NO ANSWER8/09/14:V [redacted] CALLEDTELEPHONE CALL REJECTED BY THE CARRIER (BLOCKED KINSEL INSTA CREDIT)8/09/15:V [redacted] CALLEDTELEPHONE CALL REJECTED BY THE CARRIER (BLOCKED KINSEL INSTA CREDIT)8/11/V [redacted] CALLED THE INSURANCE COMPANY THE LEIN HOLDER HAD ON FILESPOKE 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.8/11/13:V [redacted] CALLED CUSTOMER CALL REJECTED BY CARRIER8/14/10:V [redacted] CALLED CUSTOMER CALL REJECTED BY CARRIER8/16/14, 8/18/14, 8/19/AND 8/26/V [redacted] CALLED CUSTOMER AT THIS TIME PHONE JUST RANG, NO VOICEMAIL PICKED UP TO LEAVE MESSAGE.8/19/PAYMENT DUE OF AND PAST DUE FOR 7/19/ PAYMENT IN THE AMOUNT OF CALLED CUSTOMER TO ASK FOR PAYMENT OF $- MONTHS PAST DUENO ANSWER8/26/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 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/V [redacted] CALLED NO ANSWER8/30/17:V [redacted] CALLED, LEFT MESSAGE ON VOICE MAIL TO PLEASE CONTACT KINSEL INSTA CREDIT.9/03/11: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 READYMS [redacted] STATED THAT SHE DID GIVE THE INVESTIGATOR A STATEMENT AND PROVIDED THEM A COPY OF THE TOW BILLMS [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 BACKV [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 VEHILCEPER HER CONTRACT SHE MUST PAY HER PAYMENTS ON OR BEFORE THE DUE DATE, AS THERE IS NO GRACE PEROIDIF 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 SCOREMS [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/L [redacted] CALLED NO ANSWER9/19/PAYMENT DUE OF AND PAST DUE FOR 7/19/AND 8/19/TOTAL DUE= $1,195.149/19/14:L [redacted] CALLED, NO ANSWER, LEFT MESSAGE9/25/ [redacted] FROM [redacted] NISSAN CALLED KINSEL INSTA CREDIT, COLLECTIONS DEPTTALKED TO V [redacted] STATED THAT THE VEHILCE LEFT THEIR BODY SHOP, TO THE REPAIR SHOP FOR A NO START PROBLEMTHEY 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 CreditV [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 timeMr [redacted] at [redacted] Nissan stated he was going to talk to his Supervisor and get back with usV [redacted] stated the same to [redacted] about possibly picking the vehicle up and bringing it back to Kinsel Insta Credit.9/25/ [redacted] Nissan called and faxed over a bill for check and advice for a No Start ProblemThe invoice states: CAR TOWED FROM BODY SHOPFOUND ENGINE DISABLED DUE TO A GPS SHUTDOWNFOUND 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 COOLANTDIAG ONLYVEHICLE NOT DRIVEABLEINVOICE # AMOUNT DUE: $112.609/27/SPOKE WITH GEICO INSURANCE COMPANY ABOUT CLAIMINSURANCE 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/SPOKE WITH [redacted] NISSAN, AND TOLD THEM WE HAD A CHECK REQUEST SENT IN FOR THE AMOUNT OF $TO HAVE THE VEHICLE RELEASED TO KINSEL INSTA CREDIT, AND WOULD HAVE IT TOWED BACK TO LIEN HOLDER STOCK YARD.9/27/KINSEL INSTA CREDIT PICKED UP VEHICLE AND HAD TOWED BACK TO STOCK YARD.10/06/LETTER OF INTENT TO REPOSSESS WAS MAILED CERTIFIED MAIL AND MAIL TO MS [redacted] AND CO BUYER [redacted] .10/19/PAYMENT DUE IN THE AMOUNT OF $TOTAL AMOUNT DUE FOR MONTHS PAST DUE AND BILL TO [redacted] NISSAN FOR RECOVERY IN THE AMOUNT OF: $1,705.52.11/21/CERTIFIED LETTER RETURN WITH A REFUSED SIGNATUREREGULAR LETTER NEVER RETURNED.12/15/VEHICLE SENT TO GULF COAST AUTO AUCTIONBALANCE 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,PER ACCOUNT.01/09/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 CREDITSHE STATED SHE WAS NEVER NOTIFIED OF THE LETTER OF INTENTV [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,WAS STILL OWED ON THE ACCOUNTMS [redacted] ASKED HOW SHE COULD GET IT OFF HER CREDIT BUREAUV [redacted] STATED SHE WOULD HAVE TO PAY THE BALANCE CHARGED OFF AMOUNT OF $8,TO CLEAR THE ACCOUNTCUSTOMER STATED TO V [redacted] “OK”.THAT IS THE LAST CONTACT WE HAVE HAD WITH BUYER K [redacted] [redacted] ***Kinsel Insta CreditNorth 11th StreetBeaumont, TX 77702(409) 832-0200(409) 833-fax

Complaint: 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 meI 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 meWhen the agent contacted me I gave him all the information that was asked of meI 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 issueEven after checking on the car and leaving the repair shop all my information I was not informed to come pick up the vehicleIf I had been notified to come pick the vehicle up I would have paid the $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 feesI have no objection in paying that amount I am contesting the amount of $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]

Complaint:
I am rejecting this response because: I have proof that there was a recall on the transmission from the actual ford company.....I was never told about 50% of parts and labor .....I had to give that car back the note and everything was to expensive along with additional charged added to my car note each month....my job requires a vehicle.....kinsel instant credit stole my money and I would like it back....they care nothing for my needs as a customer they only wanted my money
Sincerely,
*** ***

I got the car on July8,I trade a car for this car and I put 3,down The car only has a powertrain warranty/3,mile which ever comes first I haven't to make monthly payments of plus I have to give the a extra on the repair bill This is a shame I haven't had the car month yet
Im kinda of scared to go out of Town because I think the car will stop on me and be stranded with my mom that's edrely and I have two kids and that's the only Mean's for me to get aroundThis is the second time in two week period the light came on it just got out the shop on August 20,I had to bring it back to them on Friday 28,they so called reset the ingination switch On August 30, it stopped on me again and it wouldn't start back up they came picked it up on the August 31, I spoke to *** *** and asked her if I could get if something else with/without a down payment she said no she don't think I could do that I'm just not satisfied at all

Complaint:
I am rejecting this response because:
Sincerely,
*** ***

I have reviewed the complaint and pulled all copies of the contract, the we owe, and comments made in the customers account screen that we have on fileThis is the only thing we have on file as to any transmission problem since date of purchase. At time of purchase on July, 06/
*** ***, she has her name listed as *** *** on all the documentsThe only mention of anything at time of purchase was she wanted her cigarette lighter fixed so she could charge her phoneOn the "We Owe" there is nothing promised, or indicated that there was any mechanical problemOur notes however shows that she did call and told the Sales Manager (*** ***) on or around the end of October, that she had felt a jerk in the car and brought it to a transmission shop, where they indicated to her that there might be a recallMr*** contacted the repair shop to see if we could help her outThe transmission Company told Mr*** that they could repair the transmission for approximately $but could not grantee that it would fix the problemAt that time in our notes, Mr*** called the customer and noted that she only had a month or 3,mile power train warranty, which covers 50% parts and laborHe stated to her that she would have to have it sent to Kinsel Ford Service Dept, for any check and advise, recall's, as we only finance and sell the vehicles out our 11th St LocationIf the vehicle was still under the power train warranty given to her at point of sale, we would pay 50% parts and laborIf the service department found a recall, the Ford would pay the repairsAfter that we no longer heard from the customer until November 22, where she called the collection office and stated we could come voluntary reposes's the vehicle and pick it up, she no longer wanted the vehicleAs of 11/28/the vehicle was returned to our location by the agent assigned to reposes's, and the customer was sent a day letter to respondAs of today 01/03/we have not heard from the customerThis account is closed after days of the letter sent on 11/28/of which she has days to retain all personal propertyKinsel Insta Credit closed the account out on 12/08/16.Thank You,*** ***Kinsel Insta CreditNorth 11th StreetBeaumont, TX 77702(409) 832-

Kinsel Insta Credit would like to respond to the complaint from ***.Customer's Statement of the problem is incorrectThe by pass code (payment reminder device) had nothing to do with the car not startingThe customer's ignition column went bad on the steering column.The Purchase Date is not 7/7/it is 6-11-the problem occurred on 8/14/The purchase price was not $23,The purchase price was $12,In the additional comments she states she purchased on 7/8/however the purchase date was 6-11-15. Responding from the Customers notes on the account per all phone conversations and in person conversations.On 8/14/Customer called and said her car would not start and the security light was on, also her radio was saying locked and she wanted us to please tow the vehicle in and see what the problem was. We had it towed into our shop (no cost to the customer)On 8/15/*** *** (Collections Manager) called Ms *** to let her know the vehicle was in the shop and would let Ms*** know the next available time slot they could look at it because of other vehicles in the shop before hersOn 8/19/*** called the customer to let her know the vehicle was ready, and the repairs are not under any warranty, and her cost (Kinsel net cost) would be around The shop had to replace the ignition switch and lock cylinderKinsel offered to let the customer charge her repairs so she would not be out of pocket the whole amountMs *** agreed to pay $per month on the repairs until paid in fullCustomer picked up vehicle on 8/19/15. Customer called on 9/01/and stated she was at her mothers house and the vehicle will not startKinsel had the vehicle towed back to the shop (no charge to customer) where the shop said the ignition (part) was a bad part, and they would replace the part at no charge for parts or laborThe vehicle was repaired the same day and customer picked up the vehicle the next day on 9/02/15. Later that day (9-02-15) customer drove the vehicle back to Kinsel Insta Credit that afternoon and stated the vehicle would not start and she could not turn vehicle offAll the Managers and the Service department came over to the payment location and started the vehicle and drove the vehicle and could not get the vehicle to stop running, start up, or any problem*** *** the Sales Manager took the vehicle to another repair shop to get a second opinion and they were no problems found*** called the customer on 9/3/to let Ms*** know that no one could get any problem to duplicateThere was no answer so *** left a message that her vehicle was in good running condition since she was able to drive it to the Insta Credit Lot, and turn it off, no one could get it not to start and not run at any time.On 9/04/Customer came in and received her keys to her vehicleShe went to her vehicle, started the vehicle up, turned the vehicle off, then cleaned her vehicle out (Employee's outside with her) left with someone else and never came back inside to speak with the Manger. She just left the vehicle at the lot.On 9/08/*** *** called the customer and left several messages for the customer to call and please give an update on when she would be coming back to pick up her vehicle The customer called later that afternoon and stated she was not going to pick up her vehicle, that she did not want the vehicle any longer and would be giving Kinsel the keys backLater that afternoon she returned with the keys and signed a Voluntary of Repossession Letter, stating she no longer wanted to keep the contract valid, and has no intent to pay any notes to the lien holderCustomer left,and we have not heard back from Ms*** since.At this time Kinsel Insta Credit has paid for two tow bills, and not charged the customer for the towsKinsel Insta Credit has paid in repairs in the amount of $of which the customer has paid no amount for repairs as well.*** ***Kinsel Insta CreditNorth 11th StreetBeaumont, TX 77702(409) 832-0200(409) 833-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] [redacted]

The issue has not been resolved now there stating nothing was wrong with the car

[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]. [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