National Auto Loan Network

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.Mr [redacted] ***We are here because your company refused to answer questions and present ALL documents to me after months of many phone calls, e-mails & US mail regarding this loan that wad obtained under pretenses and many other matters that I will disclose to the appropriate individualsYou claim to "lower rates" yet in the process doing as you please with consumers information, taking thousands more than needed to pay off loan, Holding on to money for weeks, disregarding the truth in lending, predatory lending practices and many other concerns How? Would be a question of lawWhat else did you DO on my behalf?, is my question...I'll be direct with youNot only the $GAP insurance refund offer, but what I must request is that you give me back the extra that you obtained08/my balance on existing loan was $15,You took $17,from a credit union account that you set up 07/20/2017, in my nameI want the difference of what you took, acting on my behalf, minus what was owed on existing loan.$17,668-$15466.44= willing to settle at $2,000Please respond accordingly.In lue of civil matters and all the extra costs & fees included with this incident I had to go throughI've spent many nights, days, resources, money, job and income has suffered as wellRegards [redacted] $2,total, if you truely care about your clients we beingTY Regards, [redacted]

We work with thousands of consumers across the United States in which we are able to make quite happy in obtaining a new loanThank you for the opportunity

We spoke to this cust and let her know that she was not approved due to the fact she owed more than her car was worth [redacted] ***

We needed a clearer copy of her Driver's License, registration and her latest paystubWe received this on October 5th, and the loan has been fundedThank you for the business [redacted] ***

We believe we have addressed this complaintPlease call me if you have any other questions

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 Mr [redacted] does not address the issue of my complaintI clearly stated that I disclosed all personal information for both my husband and myself in order to apply for refinancing of our auto loanThe fact that the loan officer ( [redacted] ) disclosed that this was a credit application is not in contentionWhat was DELIBERATELY omitted from the initial intake conversation was: 1) a disclosure that a requirement for ANY loan obtained by them would require the purchase of GAP insurance, and 2) a disclosure that they would be shopping for refinancing with SEVERAL credit unions Had I known any of the above, I would have stopped the application process immediatelyIt was only because I did some research on the company after our conversation that I discovered they force GAP insurance on all customers Mr [redacted] quotes the loan officers statement "She didn't give me a chance to go over GAP and how she owes more than her vehicle is worth." My vehicle is a Hyundai Elantra GT with 35,milesThe Kelly Blue Book value on my car is $13,As I indicated to Ms [redacted] in my email response to her, my husband and I were offered more than what we owe on the vehicle by a dealer a few weeks before [redacted] , in Glendora, California, offered us $11,as a trade-inWe owe $on our loanIt is obvious that this company makes their money from the GAP insurance that they force all of their customers to purchase AFTER they have run your credit and presented to various lendors During the initial intake conversation with Ms [redacted] , she stated "I have all of your information and will present it to our CREDIT UNION." Note, she didn't state credit unionsI now know it was shopped to different lenders because not only did we receive an adverse action letter from the credit union I mention in my original complaint, but we received a 2nd rejection from a different credit union In the meantime, my credit scores are EXCELLENT (780-790)She claimed in her response that she left me voicemail messages and that I never returned any of her phone callsI had no messages either on my home phone or cell phoneThey first contacted me via email and if she had received a loan approval, she would have emailed me, requesting I call her backShe did notShe only emailed me back AFTER I emailed her requesting they not submit the loanI believe that because I requested they not go forward with my loan request, they purposely provided information to various credit unions so that we could be declinedI am requesting that they inform the credit unions to not report our erroneously submitted application to any of the credit reporting agenciesI am asserting the above required disclosures were not made and that their unscrupulous practice of not providing this information before individuals go forward with providing private financial information violates the Fair Credit Reporting Act Regards, [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 [On 9/1/17, I received this same information ( that a check was sent to my lender and to contact them) from NALN/***I then called my lender that same day and no check could be locatedI immediately called [redacted] back to get a check number, amount, and address as to where the check was sentI got her voice mailSince then I called her on 9/5, 9/6, 9/8am, 9/8pm 9/11, 9/12, left her messages and no call has ever been returnedOn 9/I called her once more informing her that I would report this to the Revdex.comTo date no check has been received Regards, [redacted]

We believe we have addressed this complaintWe do business with thousands of consumers across the United States on a monthly basis we apologize our efforts were not satisfactory to youThank you for the opportunity

I received payment on Saturday 10/21/in the amount of $Check number [redacted] from [redacted] Financial Federal Credit Union for the proceeds of the cancellation of my GAP insurance from NALBThank You for your help on this!

HelloYou are able to cancel the GAP Policy if you would like by sending us a letter to cancelWe pay out thousands of dollars in claims on a monthly basis and in your case you vehicle is work approx $wholesale and your pay-off is $Your choice though as your insurance Company will generally only pay yiu the wholesale valueWe lowered your rate from 8.35% to 3.59% in addition to lowering your payment by $/ moLasly, you are not going to have your 1st payment until November so you have penty of time to consider your optionsThank you for the business [redacted] ***

I spoke with Mr [redacted] and he did not want to go forward after offering him a lower rate and better terms

We unfortunately are not able to remove an inquires from a consumers credit if they provide us their mother's maiden name which is a pre-requisite to run creditEven though [redacted] owes significantly more than her vehicle is worth we would be willing to offer her a loan without GAP CoveragePlease call me directly at [redacted] x*** [redacted] ***

Hello ***You are welcome to cancel your GAP Policy by sending us a letter to our Corporate address Thank you for the businessI am glad we were able to lower your interest rate from $7.27% to 4.74% [redacted] ***

Mr [redacted] ...If you would like to talk please give me a call at [redacted] x [redacted] and we can discuss options for refinancing your loanWe do value an opportunity to do business with you Thank you [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 Problem: after month of dealing with this company to refinance my loan everything went through but there is a discrepancy with the amount of the payoff and the amount financedI am being told after the fact that the anti-theft insurance costs an additional $and that is why there is a differenceNowhere in the paperwork does it state that the cost is $When I brought this to the attention of my loan officer, I was attacked personally via email being called a "sg" who only wanted a low rate and the reason for predatory lenders.Desired Outcome: I want to be refunded for the anti-theft Regards, [redacted]

[redacted] we apologize you feel the way you doRest assured that we work with over consumers across the United States on a monthly basis and the complaint you has not been commonIf you would like to reach out to me directly to discuss please give me a call at [redacted] ***.Thank you [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] Mr [redacted] called hear early Saturday morning around 10:am and as I was gathering my thoughts recalling the complaint and issues he told me I could call him at his office on MondayThen his whole tone and adictude changed and he raised his voice and made comments to the effect that I was Bullying and or Threating him and his companyThat's when I hung up on himHe called back and I informed him I pay the bill on this end and I had nothing more to say and hung upHe called again and I ignored it and the answering machine got his message leaving his phone #I have nothing to say to him are do I want him to feel BulliedHe has nothing I want I will have to let this complaint go down as unsolved and thank the Revdex.com for documenting my experience

HelloWe had a few challenges with this loan but were able to overcome them in the end....1) The value of the vehicle vsthe amount that was owed to the previous LenderThe pay-off was greater than the value.2) The term of the loan was only extend by months not a year and it is a "non-pre payment" penalty loan where it can be paid off at any time.3) We improved the interest rate from 9.58% to 6.99% Lastly, we have left several messages for the customer and have not heard backAfter a complete review of the documents they were all signed correctlyBased on that I am assuming Jammie reviewed what she was signingThe best part about the transaction was Jammie skipped her January, February and March payments...If Jammie would like to discuss further please give us a callThank you [redacted] ***

Hello The 888-Optout toll free number is provided by the Federa GovernmentWe would like to remove you but do not have your complete Social Security NumberYou are welcome to call us and we will explain [redacted] ext *If not please call that number and you will be removed from all future financial offersThank you [redacted] ***

We quoted the customer the approval terms based on the interest rate and informed him that our loan would include gap & theft protection which was important since he was upside down in his vehicle We informed him that he would need to deal directly with the credit union if he was interested in credit life because we were not licensed to sell insurance He was trying to lower both his rate and payment and was expecting for his payment to go down below what he was currently paying on a or month term We explained to him that it was not possible based on the amount financed He then accused our Loan Officer of advertising and that was the end of my conversation with him He later called back and spoke with [redacted] and went through the same routine with her She informed me that he had called her and so we called him back again to try to make him understand and he accused us once again of advertising This basically all took place over a 2-day period as the guys wife was out of town and we initially needed to wait on her to get her DL to order docs Inquiries are not able to be removed from a credit bureau [redacted] ***