Mitsubishi Motors Credit of America Inc

We have reviewed and researched Ms***’s dispute and appreciate the opportunity to respond We take pride in our customer service and strive to ensure our customers’ needs are met with
courtesy and professionalismAs an indirect lender, Mitsubishi Motors Credit of America, Inc(MMCA) purchases retail installment contracts and leases from many dealerships, however, these dealerships are independently owned and operated and MMCA does not have a physical presence in at any dealership and is not involved in the daily operations of these dealerships, including the interactions and negotiations between dealership personnel and dealership customersOur only knowledge of the terms of any transaction between the dealership and the customer is limited to the terms documented in the retail installment contract or lease Please direct any concern you have regarding service received or information obtained from the dealership directly to them. Our records indicate that MMCA received notification that the vehicle was returned to *** *** *** on February 19, 2016. The vehicle was promptly inspected on February 24, 2016, and we mailed Ms*** a “Lease Termination Invoice” detailing all end of lease charges on February 25, We retain the services of AutoVIN to inspect end of term vehicles and provide us with an inspection report, at no cost to our customers, indicating if there is any excess wear and tear or excess mileageThe charges are based on industry standard pricing. After a review of the inspection report, we have concluded the findings to be accurate and the damages reported legitimate, including the two missing back seat headrests. These are considered excessive based on the terms of the lease and were billed accordingly. Ms***’s rights and obligations related to the termination of her lease are set out in the lease agreement Ms*** may refer to the section entitled: “Standards for Wear and Use” for more information regarding lease end liability. It is Ms***’s responsibility to contact the dealership if she feels the headrests were still installed when she returned the vehicle, however, as a courtesy, we did reach out to *** *** *** to ask that they provide documentation that the headrests were present when the vehicle was returned Unfortunately, we have not heard back from *** *** ***We can cease contact with Ms*** regarding this debt, however the balance remains dueWe encourage Ms*** to contact our office at *** *** to discuss repayment of this contractual obligationWe want to assure you we are dedicated to excellence and building relationships with our customers that will last a lifetime. If I can be of additional service to you, please feel free to contact me directly at *** *** extension ***Respectfully, *** *** Customer Experience

I recently had the experience of dealing with MMCA over a repossessed car I had co-signed a loan for a relative to allow him the get the vehicle He fell behind in his payments and the car was repossessed That part was no fault of Mitsubishi
I called to settle with Mitsubishi as the co-signer only to find out they would only take wired money any other method would be easy for me, but with mobility issues, it is very difficult(and potentially dangerous) for me to withdraw a large amount of cash and got to a Wal-Mart or currency exchange to get them their money
I recognize that their reasoning is so checks cannot be bounced or transactions canceled, but this is an extreme inconvenience to the disabled I am not poor and was perfectly willing to not only bring my relatives loan up to current, but take over payments to make sure they never have an issue again(as is my responsibility as co-signer) No more, they can keep the car, and try to collect from me
After this experience, I will never purchase, or recommend financing through MMCA, and in fact will pursue this complaint through other avenues as well
P.S I had to check the box stating I have no personal or business affiliation, but I am a customer, meaning I DO has a business affiliation

We are in receipt of Mr***’s dispute and appreciate the opportunity to respond.
Mitsubishi Motors Credit of America, Inc(“MMCA”) received a payment in December of 2013, which referenced Mr***’s account number. Accordingly the payment was applied to his account. Mr*** called our office in early January to inquire if the account had a credit and we confirmed it did. Additionally, invoices that were printed also reflected the credit on the account.
On March 4, 2014, the money was reversed out of Mr***’s account and credited to the correct account, based on documentation we received from the party that made the payment. Please understand that this money was not paid by Mr*** and was never intended to pay towards his account.
We had the pleasure of speaking to Mr*** on April 2, 2014, regarding his complaint. He advised that he was aware that he did not pay his payments based on the credit on the account. He stated he was under the impression that he had made multiple payments in December, but after checking his bank statements now realizes no payments had been made.
In order to resolve this matter, MMCA has worked with Mr*** and are completing a mutually acceptable solution. Additionally, we have agreed to remove any negative reporting from his credit report resulting from this situation.
If I can be of any additional service to you or Mr***, please feel free to contact me directly at (*** *** extension ***
Respectfully,
*** ***, Customer Experience

We received complaint ID#*** filed with your
office by Ms*** *** We take pride in our customer service and strive to ensure our customers’ needs are met with courtesy and professionalism. We appreciate the opportunity to respond.
A review of the account shows that a monthly payment in the amount of $was paid on March 20, On March 21, 2015, a dealer payoff was obtained which included credit for the payment that was made on March 20, On March 23, 2015, Ms*** called in and advised she traded in her car and wished to have the payment from March 20, 2015, refunded It was explained to her at that time the payoff amount obtained from the dealer included a credit for the March 20, payment; however, she could fax in paperwork to have the request reviewed for refund
When the paperwork was received in our office, a supervisor reviewed the account and made the determination that the customer should request a refund from the dealership as they benefited from the payment being madeIf a refund were processed at this point it would cause the account to remain open with a shortage, the dealer would not receive a title and the customer would be responsible for the remaining balance on the accountMs*** was advised of this on March 26, when she called our office
The account paid off on March 31, with a payoff check received from AutoNation Ford in White Bear Lake, MNThere is an overage refund of $scheduled to be mailed to Ms*** on April 20,
We are always disappointed when a customer is dissatisfied. We want to assure you we are dedicated to excellence and building relationships with our customers that will last a lifetime. If I can be of additional service to you, please feel free to contact Mitsubishi Motors Credit of America, Inc(MMCA) directly at (866) 876-extension ***

Our records
indicate we received notification on December 26, 2015, that the 2014 Lancer had
been...

returned to [redacted] Mitsubishi. In
order for Mitsubishi Motors Credit of America, Inc. (MMCA) to terminate the
account, we need the odometer disclosure statement reflecting the current
mileage.  The odometer disclosure was
received on January 4, 2016, from [redacted] Mitsubishi, and the account was
terminated.  Invoices continue to
generate until accounts terminate.  We sincerely
apologize for any inconvenience the invoice may have caused and are
investigating the cause of the call having been disconnected, to ensure it does
not happen again.  We appreciate the feedback,
as it is through feedback from our valued customers that we are able to improve
our services.  We want to assure you we
are committed to a high level of professionalism and will review the phone
conversation referenced to address any opportunities for improvement.
The account
is now paid in full with a zero ($0) balance and a Paid in Full notice reflecting
account has been closed will be sent.

When we went to look for a car at Mitsubishi 2 years ago, we were convinced how much pros to lease than to buy. We accepted and they even did everything to complete that business transaction even it was late in the evening. I even set up auto payment for 2 years to guarantee payment on time.
Last year, we were out of the country for business while the lease would be finished. We were suggested to extend the lease for 6 months that we had time to decide to keep the car or sign another lease or change to another car. We even made a couple of payment in advance.
When we came back to US for a short stay, we didn't know our auto-payment stopped until last week. We received no email though we finally saw a couple of letters. They normally emailed us but not the late payment. We agreed it was our fault not to make payment on time and we wanted to deposit payment immediately to avoid repossession. That was refused. The only option was to buy off IMMEDIATELY or to GIVE UP the car with a responsibility to pay any difference after the car was auction.
It was Friday morning CA time, not knowing they were in AL. We decided to buy off but need to get the bank arrange payment. MMCA emailed us the amount for the whole settlement. The same day at CA noon time we had immediately approval for the total amount the MMCA emailed us to payoff the car. When we called back to MMCA to tell them, just to know that James had left his office early. (Very sure, he did it intentionally without letting us to complete the transaction or he was not a customer service person)
As such, the bank promised, it MMCA doesn't take wire for immediate deposit, my bank would overnight a check first thing on Monday. It arrived Tuesday morning. On Tuesday, I called MMCA again at Fedex to confirm the check was on the way, they then said the amount was a few hundred short and they would not release the car till they get every single penny. They only accept moneygram or Western Union. I ended up to bargain with them as they were playing money games that was unacceptable. Not only they were unfriendly, their attitude was like "sorry, your neck was being squeezed, give me more money or you won't have your car."
At that moment, we could hardly find if they were right but just to pay them. All we wanted was to get out of the transaction because the car was in repossession storage. There is no way I can trust dealing business with MMCA. They told us that they would call us once the car could be released with no definite date or time. But they would call us, but never called back.
We were waited and felt it wasn't right and we had to call them again a few times to see if there were any more paperwork required. Besides, we also watched out their business hours as they were in the east and we were in the west. Finally, it took us 6 days for them to complete a simple transaction that could have finished in a day. And most important was, we needed to find out ourself and don't expect they would call you.
As we went to get our car, even the storage employees said MMCA was the worse business partner they had come across. One of them even commented surprised we would go to get the car and they knew their way of business was make their customer no way to retrieve their leased car.
I swear to God, this will be the first and last time dealing business with Mitsubishi dealership in US. Unless you can play better game than them, watch out.

A review of the account shows that Kristin Maloney entered into a 36 month “Closed End Motor Vehicle Lease” (“Lease Agreement”) with Younker Motors Inc. for the lease of a...

2014 Mitsubishi Outlander on July 10, 2013. The Lease Agreement was subsequently sold to Mitsubishi Motors Credit of America, Inc. (“MMCA”). 
As an indirect lender, MMCA purchases retail installment contracts and leases from many dealerships. These dealerships are independently owned and operated and MMCA does not have a physical presence in any dealership and is not involved in the daily operations, including the negotiations between dealership personnel and dealership customers. Our only knowledge of the terms of any transaction between the dealership and the customer is limited to the terms documented in the retail installment contract or lease.
We begin attempting to contact our lease customers 30-45 days prior to the maturity date, which was July 20, 2016, to schedule a complimentary pre-inspection that would include an itemization regarding any “Excess Wear and Use” charges that are billable based on the terms of the Lease Agreement. This provides the option to repair any items and avoid being billed after the vehicle is returned.  Because a pre-inspection was not performed prior to return of the vehicle, we must rely on the inspection that occurred after the vehicle was turned in.  We made several attempts to contact Ms. [redacted], by phone and by mail, to discuss the end of term process and schedule the pre-inspection; however, we were unsuccessful.  We received an odometer statement, signed by Ms. [redacted], indicating the Outlander was returned August 30, 2016 to Fort Pierce Mitsubishi. Subsequently, we terminated the lease and prepared the lease termination invoice. Ms. [redacted] was billed $2,027.12, plus the associated tax of $200.68 for excess wear and use. This charge consists of $1,862.12 for the right 1/4 panel and $55.00 each for curb rash on the left front wheel, left rear wheel and right rear wheel. A credit of $325.00 was posted towards the outstanding balance, leaving a balance due of $1,902.80.
We later received correspondence from Fort Pierce Mitsubishi that the Outlander was actually returned on June 21, 2016. We processed a credit towards the outstanding balance for two (2) over term payments totalling $612.94 that were paid by Ms. [redacted] on July 29, 2016, leaving a balance due of $1,289.86.
 
Our position remains that the amount of $1,289.86 is legitimately due based on the terms of the Lease Agreement that Ms. [redacted] signed. However, in the spirit of compromise, we are willing to accept a reduced amount of $644.94 to consider the account satisfied in full. We [redacted] to discuss repayment.

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.  For your reference, details of the offer I reviewed appear below.
[The worker call me about the head rest is missing.My english need more pratice.When I go to the dealer,I talk to worker ,also wrote the letter to maneger.In case of the worker can't understand my point.Second day the work call me.Just speaking ,speaking ,speaking ,suddenly hand on.In fact I didn't understand what he talk.Few minutes lalter call me back.Ask me :do you understand? Then speaking,and hang on.So this is [redacted] dealer how to solution the problem.
Also the worker ask me .Do you have paper proof the head rest on the car.I'm not business man,I didn't work on the car company.Why I didn't have paper ,THIS IS YOUR WORK. Also I have one question : DO YOU HAVE PICTURE OR PAPER PROOF WHEN I RETURN THE CAR TTHE HEAD REST WAS MISSING.I come to you dealer. I want solution this problem.But your company only care make money,didn't care custmer.When the costmer have problem just push other way.Provide details of why you are not satisfied with this resolution. Please respond in this space ONL
Regards,
[redacted]