Mullen Finance

They repoed my car about months ago and till this day they have not sent me any correspondence to let me know how much I'll end up paying them after the repoVery unprofessional!

Incredible how some people will interpret the facts We will gladly supply our collection notes on this account Mr [redacted] was involved in an accident His car was declared a total loss These are the two facts about the customers statement that are true The customers car was impounded on 7/25/ He was involved in a front end accident with very serious damage His car was towed away from the scene of the accident [redacted] had nothing to do with this event We received notice from a service called VINTRAK that the car had been impounded There was a hold on the car from the police department due to the fact that the driver was involved in a hit and run situation We did receive a call from Mr [redacted] 's Mommy requesting that we pull out the car from storage because they had no place to store it themselves We did indicate in our notes as we do with every customer in this situation that they need to maintain the payments on the account and immediately pay for any fees that we advance to pull the car out We did receive a payment in the beginning of August for the contract payment We indicated at the time that we still needed payment for the impound fees that we advanced or that the account would be flagged as a repossession After the repossession letter was sent due to none payment we then received payment for the impound and tow fees Under circumstances we would remove the repossession from a persons credit if they resolved everything in a timely manner What Mr [redacted] is failing to tell you is that the reason they did not have their insurance company pick up the car was due to the fact that he hid not have insurance Fortunately for Mr [redacted] and for [redacted] , we recently had sent notice to MR [redacted] that insurance would be forced placed due to the fact that his policy had expired for non payment So lets recap- Mr [redacted] is involved in a Hit and Run situation where he has no liability insurance and only has comp/collision insurance due to the fact that we force placed it He then has his Mom call us to take out the vehicle due to these factsHe does not pay for the tow fees and impound fees until after we send him a repossession noticeHe could have picked up the car himself, but with no insurance he had his Mother ask us to do it for him Due to the fact that his car was a total loss, it was paid off In fact his account has a zero balance as of now It will show as a paid repossession Mr [redacted] can complain as is his right, but we will not remove the repo from his credit file We believe that we are reporting correctly and he may dispute our reporting with the credit bureaus as well My name is [redacted] and I am the General Manager and CEO of [redacted] ***973- [redacted]

Only part of what Portia is stating is trueWe did force place insurance on the account because the customer (Portia) failed to maintain their own All Auto contracts in the state of California allow the lender to force place insurance if the customer fails to do soThis is done to protect our interest in the vehicle If a customer provides their own insurance, we will give them a refund from the time and date that they get their own insurance If there is a lapse in coverage and a policy has been issued, the account gets charged We will refund from the date of the new policyCustomer is responsible for the amount of time that coverage was providedForced place insurance policies are not something that we want on our loans, but necessary to protect our interest in case of damage, theft, or total lossWe have acted appropriately and unfortunately Portia does not want to accept responsibility for her lapse in insurance, and to coverage afforded during that lapseJust because she does not like the answer does not mean the we have acted incorrectly [redacted] General Manager [redacted]

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 Regards, [redacted] ***

*** *** *
This account had insurance force place because the client failed to comply
with the term of his loanWhen the client fixed his insurance deductible and
the endorsements on his policy his account was credited accordingly. The
customer is always right, except when they
fail to pay attention to their mail,
phone calls, and the initial phone interview when we explained this all to the
customer. Mr Bernbrock was notified on more than occasions what needed
to be done regarding the insurance on his account. He purchased the car on
March 15, 2014. He updated and completed getting the proper insurance
endorsements on 6/17/more than months after the inception of his
loan. With Mr ***'s permission we will gladly provide you with the
dates, times, and detailed notes of our conversations and mailings to the
client. If the Revdex.com the feels that we have not acted in good faith, we will
consider changing some of our business practices

This is as strange a complaint that I have ever received. The customer has only made two payments on his account. He is correct that his balance has not dropped very much. That is because he has only made two payments into the loanWe also forced placed insurance on this
customer account due to the fact that he failed to properly insure his car. This customer has since provided proof that he has now insured the vehicle and the force placed insurance was cancelled pro-rata. If the customer pays as agreed and does not have any further issues, his remaining payments will be payment of $and the remaining payments will be at $212.32. The customer is on a month simple interest loan. The customer has made two payments of $209.13. The reason for the increase in payments is due to the forced placed insurance. The cost of the insurance add on it prorated over the remaining term. If the customer wants a new finance company, it is his right and responsibility to do so

Not much of a complaint, but I cant seem to locate where to check my remaining balance. I have emailed them (Mullen Finance), and did not receive a reply, as far as everything else seems to be great, please advise.

Thank you,

Only part of what Portia is stating is true. We did force place insurance on the account because the customer (Portia) failed to maintain their own.  All Auto contracts in the state of California allow the lender to force place insurance if the customer fails to do so. This is done to protect...

our interest in the vehicle.  If a customer provides their own insurance, we will give them a refund from the time and date that they get their own insurance.  If there is a lapse in coverage and a policy has been issued, the account gets charged.  We will refund from the date of the new policy. Customer is responsible for the amount of time that coverage was provided. Forced place insurance policies are not something that we want on our loans, but necessary to protect our interest in case of damage, theft, or total loss. We have acted appropriately and unfortunately Portia does not want to accept responsibility for her lapse in insurance, and to coverage afforded during that lapse. Just because she does not like the answer does not mean the we have acted incorrectly. [redacted]General Manager[redacted]

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.
Regards,
[redacted]

Incredible how some people will interpret the facts.  We will gladly supply our collection notes on this account.  Mr [redacted] was involved in an accident.  His car was declared a total loss.  These are the two facts about the customers statement that are true.  The...

customers car was impounded on 7/25/2014.  He was involved in a front end accident with very serious damage.  His car was towed away from the scene of the accident.  [redacted] had nothing to do with this event.  We received notice from a service called VINTRAK that the car had been impounded.  There was a hold on the car from the police department due to the fact that the driver was involved in a hit and run situation.  We did receive a call from Mr. [redacted]'s Mommy requesting that we pull out the car from storage because they had no place to store it themselves.  We did indicate in our notes as we do with every customer in this situation that they need to maintain the payments on the account and immediately pay for any fees that we advance to pull the car out.  We did receive a payment in the beginning of August for the contract payment.  We indicated at the time that we still needed payment for the impound fees that we advanced or that the account would be flagged as a repossession.  After the repossession letter was sent due to none payment we then received payment for the impound and tow fees.  Under normal circumstances we would remove the repossession from a persons credit if they resolved everything in a timely manner.  What Mr [redacted] is failing to tell you is that the reason they did not have their insurance company pick up the car was due to the fact that he hid not have insurance.  Fortunately for Mr [redacted] and for [redacted],  we recently had sent notice to MR [redacted] that insurance would be forced placed due to the fact that his policy had expired for non payment.  So lets recap- Mr [redacted] is involved in a Hit and Run situation where he has no liability insurance and only has comp/collision insurance due to the fact that we force placed it.  He then has his Mom call us to take out the vehicle due to these facts. He does not pay for the tow fees and impound fees until after we send him a repossession notice. He could have picked up the car himself, but with no insurance he had his Mother ask us to do it for him.  Due to the fact that his car was a total loss, it was paid off.  In fact his account has a zero balance as of now.  It will show as a paid repossession.  Mr [redacted] can complain as is his right, but we will not remove the repo from his credit file.  We believe that we are reporting correctly and he may dispute our reporting with the credit bureaus as well.  My name is [redacted] and I am the General Manager and CEO of [redacted]. 714 973-2829 [redacted]

They repoed my car about 2 months ago and till this day they have not sent me any correspondence to let me know how much I'll end up paying them after the repo. Very unprofessional!

Please ask the customer for permission to show you his payment history.  This car was repossessed three times throughout his loan history.  He had to pay off the loan in its entirety for us because his account had reached its maturity date.  This account has been a continual...

problem.  Please ask Mr. [redacted] to allow us to provide the Revdex.com detailed notes of his collection activity.  If after the review of the account history, the Revdex.com believes Mr. [redacted] has been unfairly treated, we will consider removing one of the repossessions from his credit profile. [redacted] President [redacted].

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.
Mullen is trying to go around my point. I openly admitted to being late through the entire loan. And for that reason the car was repossessed.I paid to get the car back. Case closed. im ok with that. I'm talking about this last repossession that was a "mistake". Mullen never denied excepting my payment and forgetting to call off the repo. The only fact that should matter is that I made a payment on Friday, was told I was in the clear, then my car still gets repossessed. And then [redacted] admits that he called off the repo! [redacted] said It was a "mistake" well if it was a mistake, then fix it. Don't just try and use my payment history to justify your mistake. And then to try and say it was because of the way I "acted" with the repo guys, "I can't give you your car back unless you pay the whole loan". Mullen is just looking for any excuse to clean up their mess.
Regards,
[redacted]

Review: I became almost two months late on a payment at the end of a three year loan. I think I had two or three payments left. I made a check over the phone with [redacted] on February 28th. [redacted] assured me I was caught up. Two days later on march 2nd my car was repossessed. That was on Sunday. Monday I called [redacted] and he says "sorry it was a mistake" and he'll have the repo co. Bring me back my car. He swore up and down that he called the repo off, and that he even faxed them the order. He said he would even show me the fax.(he never did) so fine, mistakes happen. Then he called back and said BECAUSE of the way I ACTED with the repo guys, he was NOT going to give back my car unless I pay it off in full. (So I did) I did over react with the tow truck guy. But wouldnt you? here I thought I had an agreement and I made the payment and they are still going to take my car? I didn't get violent or anything, I just got in MY car and tried to drive off. Anyways, yeah I was late. And I was late through most of the time of the loan, it just seemed like the closer I got to paying off the car, the more aggressive Mullen got with wanting to repo it.Desired Settlement: I just want this repo off my credit. And the cost of the repo. Towing and storage fees. Around $500

Business

Response:

Please ask the customer for permission to show you his payment history. This car was repossessed three times throughout his loan history. He had to pay off the loan in its entirety for us because his account had reached its maturity date. This account has been a continual problem. Please ask Mr. [redacted] to allow us to provide the Revdex.com detailed notes of his collection activity. If after the review of the account history, the Revdex.com believes Mr. [redacted] has been unfairly treated, we will consider removing one of the repossessions from his credit profile. [redacted] President [redacted].

Consumer

Response:

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.

Mullen is trying to go around my point. I openly admitted to being late through the entire loan. And for that reason the car was repossessed.I paid to get the car back. Case closed. im ok with that. I'm talking about this last repossession that was a "mistake". Mullen never denied excepting my payment and forgetting to call off the repo. The only fact that should matter is that I made a payment on Friday, was told I was in the clear, then my car still gets repossessed. And then [redacted] admits that he called off the repo! [redacted] said It was a "mistake" well if it was a mistake, then fix it. Don't just try and use my payment history to justify your mistake. And then to try and say it was because of the way I "acted" with the repo guys, "I can't give you your car back unless you pay the whole loan". Mullen is just looking for any excuse to clean up their mess.

Regards,

They repoed my car about 2 months ago and till this day they have not sent me any correspondence to let me know how much I'll end up paying them after the repo. Very unprofessional!

Review: I financed a car through Mullen Finance and It's been a nightmare. I'm always being charged late fees when I'm not late. Mullen added 3 different insurances with out my consent. I complained and ask why was this being done. I was yelled at by the owner [redacted] so I didn't get no where.I told the agents there that I had proof and still do of my personal insurance,and was told that there's nothing they can do. was told the owner did not want to reimburse the extra fees. Every month I have this problem there adding all kinds of fees with out any explanation. I'm reaching out to B.B.O TO Please intervene with this matter.Desired Settlement: All and any extra fees that where added to my account.

Review: I purchased an automobile and the loan was sold to Mullen Finance. The final contract and/or regulation z reflects my new automobile payment of $399 but Mullen Finance is charging me $460. I went into Mullen last month, and they agreed and said my payment would be corrected on the next statement. However, my new statement again reflected a payment of $460. I again went into Mullen Financial and they were terribly rude and refused to talk to me about their error. I have made all car payments on or before payment was due, and I paid the $460. But Mullen Financial is committing fraud as they are definitely just trying to collect extra money. I don't know where to go for help, and I am 100 percent sure my payment on all documentation I signed when purchasing my car was $399 not $460.Desired Settlement: I just want Mullen Financial to lower my car payment to match my Federal truth in lending contract of $399. I would also like them to return the monies I have overpaid on past payments. It is now only $60 total. I want my next Mullen statement to show my car payment at $399.

Business

Response:

[redacted]

This account had insurance force place because the client failed to comply

with the term of his loan. When the client fixed his insurance deductible and

the endorsements on his policy his account was credited accordingly. The

customer is always right, except when they fail to pay attention to their mail,

phone calls, and the initial phone interview when we explained this all to the

customer. Mr Bernbrock was notified on more than 3 occasions what needed

to be done regarding the insurance on his account. He purchased the car on

March 15, 2014. He updated and completed getting the proper insurance

endorsements on 6/17/2014 more than 3 months after the inception of his

loan. With Mr [redacted]'s permission we will gladly provide you with the

dates, times, and detailed notes of our conversations and mailings to the

client. If the Revdex.com the feels that we have not acted in good faith, we will

consider changing some of our business practices.

Review: I crashed my car at the end of July and my car was towed to a lot. Then [redacted] contacted my mom and asked if they could pick the car up and put it on their lot. She agreed to it. The original tow balance from the first yard was around 300 maybe 400 it jumped to nearly 8 hundred just by them picking it up with more tow fees and administrative fees and so on. I couldn't fight it due to the fact my mom said okay. then my mother speaks to the manager over there [redacted] he tells my mom to not worry about the payments cause it was totaled. They called it totaled before insurance even looked at the car. They then call my mom and say you know your bill is due tomorrow you usually pay early were just wondering if something is up? She explains that what the manager said they begin to say it's still due tomorrow. my mom panics and says she doesn't have the money and we might to have to repo it. but the bill wasn't due till the following day. my mom ends up paying the balance of the tow fees and car payment in one whole sum. they except payment and we continue to make payments yet I have repo on my credit report that won't take off.Desired Settlement: Remove reposseion off credit report. My credit report reads no missed payments and repossession which doesn't make sense

Business

Response:

Incredible how some people will interpret the facts. We will gladly supply our collection notes on this account. Mr [redacted] was involved in an accident. His car was declared a total loss. These are the two facts about the customers statement that are true. The customers car was impounded on 7/25/2014. He was involved in a front end accident with very serious damage. His car was towed away from the scene of the accident. [redacted] had nothing to do with this event. We received notice from a service called VINTRAK that the car had been impounded. There was a hold on the car from the police department due to the fact that the driver was involved in a hit and run situation. We did receive a call from Mr. [redacted]'s Mommy requesting that we pull out the car from storage because they had no place to store it themselves. We did indicate in our notes as we do with every customer in this situation that they need to maintain the payments on the account and immediately pay for any fees that we advance to pull the car out. We did receive a payment in the beginning of August for the contract payment. We indicated at the time that we still needed payment for the impound fees that we advanced or that the account would be flagged as a repossession. After the repossession letter was sent due to none payment we then received payment for the impound and tow fees. Under normal circumstances we would remove the repossession from a persons credit if they resolved everything in a timely manner. What Mr [redacted] is failing to tell you is that the reason they did not have their insurance company pick up the car was due to the fact that he hid not have insurance. Fortunately for Mr [redacted] and for [redacted], we recently had sent notice to MR [redacted] that insurance would be forced placed due to the fact that his policy had expired for non payment. So lets recap- Mr [redacted] is involved in a Hit and Run situation where he has no liability insurance and only has comp/collision insurance due to the fact that we force placed it. He then has his Mom call us to take out the vehicle due to these facts. He does not pay for the tow fees and impound fees until after we send him a repossession notice. He could have picked up the car himself, but with no insurance he had his Mother ask us to do it for him. Due to the fact that his car was a total loss, it was paid off. In fact his account has a zero balance as of now. It will show as a paid repossession. Mr [redacted] can complain as is his right, but we will not remove the repo from his credit file. We believe that we are reporting correctly and he may dispute our reporting with the credit bureaus as well. My name is [redacted] and I am the General Manager and CEO of [redacted]. 714 973-2829 [redacted]

Review: I AM FINANCING MY VEHICLE WITH MULLEN FINANCE I KEEP MAKING MY PAYMENTS ON TIME AND EVERYTHING I MAKE A PAYMENT MY BALANCE NEVER SEEMS TO GO DOWN .Desired Settlement: I WOULD LIKE TO CHANGE FINANCE COMPANY

Business

Response:

This is as strange a complaint that I have ever received. The customer has only made two payments on his account. He is correct that his balance has not dropped very much. That is because he has only made two payments into the loan. We also forced placed insurance on this customer account due to the fact that he failed to properly insure his car. This customer has since provided proof that he has now insured the vehicle and the force placed insurance was cancelled pro-rata. If the customer pays as agreed and does not have any further issues, his remaining payments will be 1 payment of $247 and the remaining 39 payments will be at $212.32. The customer is on a 42 month simple interest loan. The customer has made two payments of $209.13. The reason for the increase in payments is due to the forced placed insurance. The cost of the insurance add on it prorated over the remaining term. If the customer wants a new finance company, it is his right and responsibility to do so.

Review: I was bee in finance for car that I should be lemon I took it 3 times for a crank position sensor causes the car not to turn on ...I changed it my self 2 more times ..and after I carefully revived the vehicle I notice there was a crack in the frame which makes salvage....I belive I was sold a vehicle that is salvage and I wasn't notify ..or told it was ..now I refused to make payments. .now the car is up for repo ...cause I refused to pay for a salvage car ..Desired Settlement: Money back what ive payed for and no credit harm