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.
So the response I received appears to be canned and does not actually address my complaint. I advised that I would be happy to submit in writing my request to cancel the GAP insurance to receive a refund. What has not been addressed is the fact there appears to be other amounts not account for that took my loan well over the original pay off amount with my original lender. I need confirmation that I will receive a refund in full for the 1641.88 that was applied to the balance of the pay off amount with the new lender. The total amount of my loan ballooned to 9389.00. So far all calls to your company have gone unanswered and voice-mails not returned. I am attempting to resolve this issue with you directly but so far I am seeing no attempt to rectify the situation on your end. So, again, please review my loan and confirm the amounts that I have listed. I need a refund for all fees for services added to the loan that I did not request. If you state that you do not charge any up front fees then please call me at my phone number listed on my paperwork or email me at the email address on my paperwork so we can go over the items that have been charged. I will also be requesting this in my letter to cancel and receive refund for the GAP Insurance.
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/[redacted]. I then called my lender that same day and no check could be located. I immediately called [redacted] back to get a check number, amount, and address as to where the check was sent. I got her voice mail. Since 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 returned. On 9/13 I called her once more informing her that I would report this to the Revdex.com. To date no check has been received.
Regards,
[redacted]

---------- Forwarded message ----------From: [redacted] <[redacted]>Date: Thu, Sep 17, 2015 at 9:37 AMSubject: Complaint File ID [redacted]To: "[redacted]" <[redacted]>Please see the email below in which [redacted] requested that I send him my personal bank account information.  I would like to add this to my complaint file. [redacted] From: [redacted]To: [redacted]Subject: RE: Date: Mon, 6 Jul 2015 21:48:43 +0000[redacted], I told you I had to see here in the office if they will reimburse it, but unfortunately that is something the customer(You) have to pay, you are already saving a lot on your new loan, now if you want I can pay it out of my pocket, just send me you bank information and I will drive to your bank and deposit the $10 on your account. [redacted] From: [redacted] [mailto:[redacted] Sent: Monday, July 06, 2015 2:45 PMTo: [redacted]Subject:  [redacted], What happened to my $10?  You assured me that I would be reimbursed and I want tobe. Thanks in advance for responding, [redacted]

I don't understand what you need from me?

Hello.. The GAP Cancellation letter has been received and a check has been sent to your current Lender to lower your finance balance. The theft / etch Policy is non-cancelable as there is a policy in place. We pay thousands of dollars in claims monthly so please be confident that you made the right...

decision in refinancing your loan. Your rate went from 8.18% to 5.44% and you were able not to have a payment due until August 2015 Thank 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.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

We explained it all to her.  She is in the auto industry as well, she does fleet, she understood it all.  She waited for the loan to fund, once the loan funded she started complaining that we didn’t explain the theft to her and only GAP.  We explained  the theft as well. We pay thousands of GAP claims every month and in [redacted]'s case she has a wholesale value of approx. $14000 with a pay-off which is significantly higher. If she would like to cancel her GAP please send a letter to our office. We are not able to cancel the Theft Policy as it says on the policy she signed. Thank you for the business

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this neither addresses nor resolves my complaint ever based on the correspondence I have received from them through you it is clear that they do not care and have no interest in listening to my feedback therefore I will have to be satisfied with the publication of my review/complaint & telling everyone I know not to do business with them. 
Regards,
[redacted]

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.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Hello.. You are able to cancel the GAP Policy if you would like by sending us a letter to cancel. We pay out thousands of dollars in claims on a monthly basis and in your case you vehicle is work approx $16000 wholesale and your pay-off is $23229. Your choice though as your insurance Company will generally only pay yiu the wholesale value. We lowered your rate from 8.35% to 3.59% in addition to lowering your payment by $40.00 / mo. Lasly, you are not going to have your 1st payment until November so you have penty of time to consider your options. Thank you for the business [redacted]

I received payment on Saturday  10/21/17 in the amount of $467.17 Check number [redacted] from [redacted] Financial Federal Credit Union for the proceeds of the cancellation of my GAP insurance from NALB. Thank You for your help on this!.

To whom it may concern:
From our Loan Officer:
Mrs. [redacted] never returned any of our phone calls to go over the approval we were able to get her. During our initial conversation, I disclosed that this was a credit application and she gave me her Mother's Maiden name as proof of agreeing to...

move forward. She decided a day after to not go forward but at that point it was too late to have her credit run by any of our partners as it had been submitted. I explained to her via email that we did get an approval. She didn’t give me a chance to go over GAP and how she owes more than her vehicle is worth.
We work with over 10,000 consumers across the Untied States per month and are able to help many of them. We apologize we were unable to help at this time. Please let us know if we can be of service in the future.
Thank you
[redacted]

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

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

Your basically offering me to get rid of the Gap Coverage??  im not stupid man you took more from me than gap insurance.  I want you to refund my origination fees.  I will be taking my loan to another lender soon.you guys [redacted]! guys, don't do business with this company!  Ever!

To whom it may concern.
We had a significant amount of trouble setting up the phone interview with the Credit Union. It finally took place and Mr. [redacted]'s loan funded on October 22nd, 2015. We aplogize for the time it took to arrange this based on everyone's schedule.
Thank you for the...

business
[redacted]

Revdex.com:
I have reviewed the response...

made by the business in reference to complaint ID [redacted], and confirm that the refund was FINALLY received by the Credit Union and my account was credited properly. I still think the company should reimburse me for the interest charged on the loan due to the balance not being reduced in a timely manner - to say nothing of the time and effort it has taken on my part to get this resolved. But, I am not going to waste any more of my time on this issue.
Thank you for your help.
Regards,
[redacted]