Complaint: ***
I am rejecting this response because:While removing all my damage charges, which was the right decision on their part as they clearly realize that I was one of the few people that this company was not able to take advantage of due to video and pictures of my car before the transporter took it away, I am not satisfied with the outcome at allIt states that there were scratches from the transporter on the side of the car that I have no clue aboutThe Transporter also had both keys when leaving my houseBut HANN's appraiser *** in his report states nothing about scratches he states rear bumper being "Severely Distorted" and the key was missingWhat a completely different report and neither of them are accurate I find your protocol of this entire transaction to be defamatory, insulting, and fraudulent on every level, and feel as though the money is no longer the issue at this point At least HANN could have waived the disposition fee for all the ridiculous fraudulent games your company is playing I find it is my duty & responsibility to every person who has Hann Financial Services handling their End Lease Recovery to be informed of the extortion that they are about to experience My review on *** Titled (Hann Financial Service Fabricate pictures of vehicle to incur bogus charges, additional BS about missing Master Keys Jamesburg, NJ New Jersey) is the beginning of my quest to inform as many as possible that what Hann Financial is doing is unfair and illegal, and I will not let them get away with this Additionally my next review will be inviting all parties to sign up for a Consumer Fraud Class Action Lawsuit as I think this is pathetic.
Regards,
*** ***
I apologize for not responding sooner; apparently the message from 7/was not receivedMr*** leased a *** CR-V from Hann as the assignee of *** *** on February 26, Once the assignment is complete Hann becomes the only Lessor on the Lease AgreementPursuant to the
terms of the Lease Agreement the Lessee is no to return the vehicle to any dealership; and Hann does inform or reminds all Lessees of this provision six months before the then of the lease termThere is no agency relationship between Hann and the dealership as the consumer impliesMr*** was contacted prior to the end of his lease term by a dealership in the hope of selling or leasing a new vehicle to Mr***Apparently Mr*** did enter into a new agreement and the *** CR-V, that was property of Hann, was left at the dealership for them to return to Hann on Mr*** behalfIt should be noted that this is done by the dealership as a customer service; and not at the direction of HannThe inspection performed by the dealership states that it is subject to final inspection by the lease finance company and does not establish an accurate condition of the vehicleThe inspection performed by *** *** *** on behalf of Hann was conducted by a NY licensed vehicle appraiser and constitutes the final inspection of the vehiclePursuant to NY Motor Vehicle Leasing Law, the consumer is entitled to have the vehicle inspected by a NY Licensed Vehicle appraiser days prior to the return of the vehicle or within days of receiving the final statement from HannMr*** was provided with notice, as required by law, of his right to obtain his own appraisal, but chose not to take advantage of this optionSince this complaint was filed, Mr*** also retained counsel to assist him with this issue and a settlement between the parties was reached whereby Hann agreed to accept $1,in lieu of the full amount dueThe settlement has been paid and the account closedPlease contact me should you have any additional questions or concerns about this account
This is in response to the compliant filed by Mr*** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Dodge JourneyThe Lease Agreement between Hann Financial
Service and *** *** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageIn this instance, although the damage reported in the appraisal report provided to Hann is supported by photographs of the damage and depict a combination of substandard prior repairs and unrepaired damage, some of which has rusted, Hann has decided the amount of each of these separate instances is not significantTherefore, Hann has removed the damage charge from the account. We would also like to apologize for the service the client states she received from our vendor whom picked up the vehicle
Legal Department ###-###-#### ###-###-#### Facsimile *** September 19, Revdex.com Servicing New Jersey Whitehorse-Hamilton Square Road Building A, Suite Hamilton, NJ Attn: *** ***
Re: Case No.: *** Dear Ms***: This is in response to the complaint filed by *** *** concerning the assessment of a disposition fee to his accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, he signed at *** *** *** for the lease of a Nissan Rogue through Hann Financial Service CorpThe requirement to remit payment of this fee is also discussed in paragraph on the back of the leaseThe Disposition Fee is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleShould you have any additional questions or concerns please do not hesitate to contact me directlySincerely, Carol E***, Paralegal
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
This is in response to the compliant filed by Mr*** *** concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Honda CR-VThe Lease Agreement between Hann Financial Service
and *** *** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageHann has reviewed the Bill of Lading submitted by *** *** to *** *** *** which is supported with photographs taken by Mr*** in the driveway of Mr*** homeThe photos are noted with damage to the various parts of the vehicleEnlarged view of the damage in the Ready photos confirms damage to the vehicle prior to its being moved from Mr*** possession on November 18, The vehicle came into Hann possession the same day, November 18, 2016; and was appraised on November 22ndThe appraisal was it was performed by 1st Alert Appraisal Service and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsA statement listing the end term charges was prepared on November 28, and included a $Disposition Fee which is a chargeable item in the event the vehicle is returned to Hann possession at the end of the lease term; $1,damage, taken directly from the appraisal report and offset by a $damage waiver included in the terms of the lease agreement and $sales tax on the damage charge The statement was mailed to Mr*** on December 1, 2016; and received on December 10, Because the damage has been confirm by two independent sources and adequately documented, no change to the assessment is warrantedCopy of the documentation is attachedShould you have any additional questions or concerns please do not hesitate to contact me directly
Complaint: ***
I am rejecting this response because: Changing a due date without notifying the client is unethical. I assumed I was making my payments on time as I paid most by the middle of the month. When I called to find out why there were late fees the company responded incorrectly that my payment was due on the first. I finally found my agreement which confirms the payment was on due on the 30th. If they told me I was a month behind I would of made the payment to bring the account up to date. They treated me in an aggressive manner and threaten to repossess my car causing embarrassment and undo stress. To conclude it may sound like they did me a favor by moving the due date back (without telling me) but this resulted in confusion and by the time I figured it out they had charged hundreds of dollars in late fees. I understand they may not want to resolve this issue I just hope others will read this and be careful when dealing with them.
Regards,
*** ***
This is in response to the complaint filed by *** M *** concerning the assessment of a disposition fee to her accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, she signed at *** *** *** for the
lease of a Jeep Compass through Hann Financial Service CorpMs*** may be confused as to the actual Lessor of the vehicle because, in accordance with instructions from Hann, she made her payments to *** ***Please note, Hann was a fully owned subsidiary of *** ***; now *** *** *** *** following the merger of the two banking institutionsA copy of the Lease Agreement is attached whereby Hann is named as the Lessor in Box 1c at the top of the AgreementThe Disposition Fee in question is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueThis fee is disclosed in the Agreement at Box as Other ChargesAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleThe account was assigned to a collection agency because the account was assessed this charge on November 16, and remained unpaid until after the assignment to the agencyNotice of the unpaid balance was forwarded to Ms*** on 12/1/2016, 1/3/and 2/1/Should you have any additional questions or concerns please do not hesitate to contact me directly
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:I have reached an agreement with the business that is satisfactory to me Thanks, in particular, to Carol Escandell from Hann, who was reasonable and fair and very nice to deal with
Regards,
*** ***
Dear Ms***, In response to the compliant filed by *** ***, concerning the charge for damage assessed to her automobile lease account, a comparison review of the Bill of Lading from the transporter carrier and the appraisal report was conductedThe review revealed one key was apparently
lost in transit; further the areas of damage noted by the transport agent may have been were further damaged in transportAccordingly, Hann has removed the damage charge from her accountShould you have any additional questions or concerns regarding this account please do not hesitate to contact me
This is in response to the compliant filed by Mr*** *** concerning the end term lease charges assessed to his account and Hann servicing policiesI apologize that Mr*** did not have a more pleasant leasing experienceHann has several payment options available to our
lessees that include payment by check, ACH, telephone or websiteHann sent a coupon booklet to the lessee at the beginning of the lease termIf the lessee chooses to pay by check a coupon would be attached to each monthly payment and allows the lessee to track from there when the payment is due; when a late charge would be assessed and how many payments remain by the number of coupons in the bookletWhile monthly statement serve this purpose, the possibility of a statement being lost in the mail exists, which could cause a payment to be delayed, if not forgottenThe coupon booklet is a constant reminder of the payment statusOur system is not designed for monthly email notices; any email notice being sent by a Hann employee was based on an arrangement to assist in Mr*** specific request for monthly notice and not an actual payment statementThe contract between Mr*** and Hann Financial as assignee of *** *** *** was for a month lease of a Acura MDXThe Lease Agreement sets the agreed upon residual value of the vehicle, the mileage restrictions and the conditions that represent excess wear and damageWhen this vehicle returned to Hann possession, damage was apparent and Hann had cause to have the vehicle appraised for damage repair costsPursuant to the terms of the lease, all damaged existing to the vehicle is considered excess; the lease further provides a $damage waiver, that covers conditions that would fall under wear and tearIn this instance the appraisal reported $2,as cost to restore the vehicle, the first $is waived leaving a remaining damage assessment of $2,A review of the photographs taken during the inspection shows the two front tires were worn beyond the threshold set in the lease agreementThe tire manufacturer sets expected mileage limits before recommended replacement, however there are a number of factors, such as driving conditions and over or under inflation that will cause the tires to wear with lower mileageOne tire also had sidewall damage that is also listed as an excess conditionIn addition, the appraisal shows deep scratches along the left side of the vehicle with a dent to the left front fender, which requires repair and repainting and blending of the paint to even the color. Other charges assessed to the account include NJ State Sales Tax on the damage charge and a $disposition feeThe disposition fee is disclosed in the lease and as chargeable item in the event the vehicle is returned at the end of the lease, as it was hereSeveral notices were provided to Mr*** advising of the end term procedures and that the vehicle would be inspected for damage on its return to HannThe purpose of the notice was to remind the lessee of his obligation to maintain and repair the vehicle as neededMr*** also could have had an appraisal performed prior to returning the vehicleAs the costs and charges listed on the statement are an accurate reflection of the account records and vehicle no adjustment is warranted
Complaint: ***
I am rejecting this response because:The lease agreement is exactly how you describe in the bulk of your response to my complaintAll except for ONE GLARING OMMISSION*** Financial is basically claiming that market conditions determine any equity, negative or positive gained or lost belongs to *** financial as they are the titled owner during the term of the lease agreement.However, as was told to me over the phone, and is not stated anywhere on the lease agreement was that it was HANN's practice to charge 20% over the residual value agreed upon with customer if the vehicle was to be sold third party dealer. This implies that market values etcHave absolutely nothing to do with my complaint as statedNo where in the lease agreement does it say that if I decided to trade in the vehicle this fee would be added onAgain, I would have never agreed to such termsI further argue that no other Vehicle Dealer has such a practice. It begs to question if buyers are being baited into a lease agreement to which *** is changing the rules to after the contract is signed.
Regards,
*** ***
Complaint: ***
@page { margin: 0.79in } p { margin-bottom: 0.1in; line-height: 120% } I am rejecting this response because: My wife and I originally tried to return the car on Memorial Day Weekend The salesman, *** ***, looked at the car and told us that the car was in good condition, and if we leased using Honda Financial we wouldn’t have any problemsHowever, he explained that because we leased with Hann Financial we might get charged for a scratch on the doorWe decided to have it repaired to avoid any chargesThe car was brought to *** *** *** on *** ** in Deer Park NYThe owner felt that car was in good condition but would repair the scratchWe returned the car and leased a new one without any mention of damage from the dealershipThe owner of the bodyshop is willing to attest to the condition of the carThe damage to the car must have occurred after we dropped it off or the damage does not existRegards,
*** ***
Complaint: ***
I am rejecting this response because:
Once again you are insulting & assuming people didn't hear what we heardThank you for your time & sub-par customer serviceEvery member of your team is unqualified & lacking of knowledge or patienceI already wrote a far from stellar review online for your company & will continue to take to social media & beyond to prove my point simply out of principalI am positive I am not in the wrong here & not surprisingly there are more then plenty people that agree with me in similar unsatisfactory online reviewsActually a lot of people that share my experience.
Regards,
*** ***
Dear Ms***, This is in response to the compliant filed by *** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Chrysler The Lease Agreement between the
parties defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageOn return of the vehicle to Hann, the vehicle was appraised on behalf of Hann by *** *** *** The report revealed necessary damage repairs totaling $4,Although the damage is evidenced by photographs taken during the appraisal, Hann has removed the damage charge from the account because the vehicle was sold and not available for the consumer to obtain her own appraisal of the vehicleShould you have any questions or need any additional information, please do not hesitate to contact meRegards, *** ***
This is in response to the complaint filed by *** *** concerning the repossession of her vehicle and assessment of costs to her accountWhile Hann certainly can understand circumstances that will cause a payment to occasionally be late and tries to work with consumers whenever
possible to afford the best resolution for everyoneThe Lease Agreement entered into by Ms*** requires monthly payments in the amount of $to be submitted on the 28th day of each monthThe agreement further states a late payment fee is due on any payment received more than days past the stated due dateIn addition, a default to the agreement occurs any time a payment is not received within days of its due date(see Lease Agreement item numbers 6, 20, and 25(c).)Tthe agreement further states that in the event of default Hann may take possession of the vehicle wherever it may be found and without prior notice to the lesseeThe account notes payments were received days beyond the due date in the months of August 2016, April, May and June 2017, which caused late charges to be assessed to the accountCreditors are required to advice once every month period that a vehicle is subject to repossession if a default is not cured by the date stated in the notice. In this instance, the notice of potential repossession was included in the April 11, noticeThe account notes reveal that the home phone on May 26, was not in service and a voicemail message was left at the cellphone number on fileMessages were also left to both numbers on May 31, Two payments were scheduled by the consumer to post on June 7, 2017, then she changed the date to June 9, 2017; subsequently both payment were returned by the consumer’s bank on June 16, There were no calls from Ms*** to explain extenuating circumstancesThe first call from Mr*** was after the vehicle was repossessed on June 20, The actions of Hann in this instance were within the terms of the lease agreement and applicable law, accordingly no refund of the costs incurred are due to the consumer Should you have any additional questions or concerns please do not hesitate to contact me directly
The payment due date was not moved backward, but forward allowing an extra day before the payment became dueHann also provided the consumer a payment coupon book that clearly shows the payment due date on the first of the month; and the date that a late fee would be assessed to the account. The Hann website also shows displays this information as it applied to the current payment dueI apologize that Mr*** became confused over the payment due dateHann is always willing to speak with our customers and work to resolve any issues that may ariseWhile Hann maintains that moving the due date forward one day was not done to harm, confuse, or intentionally cause the account to incur late fees; Hann has removed all the late and other charges from the account
While it is unfortunate that Ms*** is unhappy with her relationship with Hann Financial, it should be noted that Hann made its decision to remove the damage charge from the account following its own investigation and without regard to any claimed video and pictures Ms*** may have takenHann has decided to remove the disposition fee from this account as a courtesy to good customer
Because Hann is now represented by counsel on this matter; any and all discussion of settlement must be made through counsel
Complaint: ***
I am rejecting this response because:While removing all my damage charges, which was the right decision on their part as they clearly realize that I was one of the few people that this company was not able to take advantage of due to video and pictures of my car before the transporter took it away, I am not satisfied with the outcome at allIt states that there were scratches from the transporter on the side of the car that I have no clue aboutThe Transporter also had both keys when leaving my houseBut HANN's appraiser *** in his report states nothing about scratches he states rear bumper being "Severely Distorted" and the key was missingWhat a completely different report and neither of them are accurate I find your protocol of this entire transaction to be defamatory, insulting, and fraudulent on every level, and feel as though the money is no longer the issue at this point At least HANN could have waived the disposition fee for all the ridiculous fraudulent games your company is playing I find it is my duty & responsibility to every person who has Hann Financial Services handling their End Lease Recovery to be informed of the extortion that they are about to experience My review on *** Titled (Hann Financial Service Fabricate pictures of vehicle to incur bogus charges, additional BS about missing Master Keys Jamesburg, NJ New Jersey) is the beginning of my quest to inform as many as possible that what Hann Financial is doing is unfair and illegal, and I will not let them get away with this Additionally my next review will be inviting all parties to sign up for a Consumer Fraud Class Action Lawsuit as I think this is pathetic.
Regards,
*** ***
I apologize for not responding sooner; apparently the message from 7/was not receivedMr*** leased a *** CR-V from Hann as the assignee of *** *** on February 26, Once the assignment is complete Hann becomes the only Lessor on the Lease AgreementPursuant to the
terms of the Lease Agreement the Lessee is no to return the vehicle to any dealership; and Hann does inform or reminds all Lessees of this provision six months before the then of the lease termThere is no agency relationship between Hann and the dealership as the consumer impliesMr*** was contacted prior to the end of his lease term by a dealership in the hope of selling or leasing a new vehicle to Mr***Apparently Mr*** did enter into a new agreement and the *** CR-V, that was property of Hann, was left at the dealership for them to return to Hann on Mr*** behalfIt should be noted that this is done by the dealership as a customer service; and not at the direction of HannThe inspection performed by the dealership states that it is subject to final inspection by the lease finance company and does not establish an accurate condition of the vehicleThe inspection performed by *** *** *** on behalf of Hann was conducted by a NY licensed vehicle appraiser and constitutes the final inspection of the vehiclePursuant to NY Motor Vehicle Leasing Law, the consumer is entitled to have the vehicle inspected by a NY Licensed Vehicle appraiser days prior to the return of the vehicle or within days of receiving the final statement from HannMr*** was provided with notice, as required by law, of his right to obtain his own appraisal, but chose not to take advantage of this optionSince this complaint was filed, Mr*** also retained counsel to assist him with this issue and a settlement between the parties was reached whereby Hann agreed to accept $1,in lieu of the full amount dueThe settlement has been paid and the account closedPlease contact me should you have any additional questions or concerns about this account
This is in response to the compliant filed by Mr*** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Dodge JourneyThe Lease Agreement between Hann Financial
Service and *** *** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageIn this instance, although the damage reported in the appraisal report provided to Hann is supported by photographs of the damage and depict a combination of substandard prior repairs and unrepaired damage, some of which has rusted, Hann has decided the amount of each of these separate instances is not significantTherefore, Hann has removed the damage charge from the account. We would also like to apologize for the service the client states she received from our vendor whom picked up the vehicle
Legal Department ###-###-#### ###-###-#### Facsimile *** September 19, Revdex.com Servicing New Jersey Whitehorse-Hamilton Square Road Building A, Suite Hamilton, NJ Attn: *** ***
Re: Case No.: *** Dear Ms***: This is in response to the complaint filed by *** *** concerning the assessment of a disposition fee to his accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, he signed at *** *** *** for the lease of a Nissan Rogue through Hann Financial Service CorpThe requirement to remit payment of this fee is also discussed in paragraph on the back of the leaseThe Disposition Fee is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleShould you have any additional questions or concerns please do not hesitate to contact me directlySincerely, Carol E***, Paralegal
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
This is in response to the compliant filed by Mr*** *** concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Honda CR-VThe Lease Agreement between Hann Financial Service
and *** *** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageHann has reviewed the Bill of Lading submitted by *** *** to *** *** *** which is supported with photographs taken by Mr*** in the driveway of Mr*** homeThe photos are noted with damage to the various parts of the vehicleEnlarged view of the damage in the Ready photos confirms damage to the vehicle prior to its being moved from Mr*** possession on November 18, The vehicle came into Hann possession the same day, November 18, 2016; and was appraised on November 22ndThe appraisal was it was performed by 1st Alert Appraisal Service and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsA statement listing the end term charges was prepared on November 28, and included a $Disposition Fee which is a chargeable item in the event the vehicle is returned to Hann possession at the end of the lease term; $1,damage, taken directly from the appraisal report and offset by a $damage waiver included in the terms of the lease agreement and $sales tax on the damage charge The statement was mailed to Mr*** on December 1, 2016; and received on December 10, Because the damage has been confirm by two independent sources and adequately documented, no change to the assessment is warrantedCopy of the documentation is attachedShould you have any additional questions or concerns please do not hesitate to contact me directly
Complaint: ***
I am rejecting this response because: Changing a due date without notifying the client is unethical. I assumed I was making my payments on time as I paid most by the middle of the month. When I called to find out why there were late fees the company responded incorrectly that my payment was due on the first. I finally found my agreement which confirms the payment was on due on the 30th. If they told me I was a month behind I would of made the payment to bring the account up to date. They treated me in an aggressive manner and threaten to repossess my car causing embarrassment and undo stress. To conclude it may sound like they did me a favor by moving the due date back (without telling me) but this resulted in confusion and by the time I figured it out they had charged hundreds of dollars in late fees. I understand they may not want to resolve this issue I just hope others will read this and be careful when dealing with them.
Regards,
*** ***
This is in response to the complaint filed by *** M *** concerning the assessment of a disposition fee to her accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, she signed at *** *** *** for the
lease of a Jeep Compass through Hann Financial Service CorpMs*** may be confused as to the actual Lessor of the vehicle because, in accordance with instructions from Hann, she made her payments to *** ***Please note, Hann was a fully owned subsidiary of *** ***; now *** *** *** *** following the merger of the two banking institutionsA copy of the Lease Agreement is attached whereby Hann is named as the Lessor in Box 1c at the top of the AgreementThe Disposition Fee in question is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueThis fee is disclosed in the Agreement at Box as Other ChargesAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleThe account was assigned to a collection agency because the account was assessed this charge on November 16, and remained unpaid until after the assignment to the agencyNotice of the unpaid balance was forwarded to Ms*** on 12/1/2016, 1/3/and 2/1/Should you have any additional questions or concerns please do not hesitate to contact me directly
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:I have reached an agreement with the business that is satisfactory to me Thanks, in particular, to Carol Escandell from Hann, who was reasonable and fair and very nice to deal with
Regards,
*** ***
Dear Ms***, In response to the compliant filed by *** ***, concerning the charge for damage assessed to her automobile lease account, a comparison review of the Bill of Lading from the transporter carrier and the appraisal report was conductedThe review revealed one key was apparently
lost in transit; further the areas of damage noted by the transport agent may have been were further damaged in transportAccordingly, Hann has removed the damage charge from her accountShould you have any additional questions or concerns regarding this account please do not hesitate to contact me
This is in response to the compliant filed by Mr*** *** concerning the end term lease charges assessed to his account and Hann servicing policiesI apologize that Mr*** did not have a more pleasant leasing experienceHann has several payment options available to our
lessees that include payment by check, ACH, telephone or websiteHann sent a coupon booklet to the lessee at the beginning of the lease termIf the lessee chooses to pay by check a coupon would be attached to each monthly payment and allows the lessee to track from there when the payment is due; when a late charge would be assessed and how many payments remain by the number of coupons in the bookletWhile monthly statement serve this purpose, the possibility of a statement being lost in the mail exists, which could cause a payment to be delayed, if not forgottenThe coupon booklet is a constant reminder of the payment statusOur system is not designed for monthly email notices; any email notice being sent by a Hann employee was based on an arrangement to assist in Mr*** specific request for monthly notice and not an actual payment statementThe contract between Mr*** and Hann Financial as assignee of *** *** *** was for a month lease of a Acura MDXThe Lease Agreement sets the agreed upon residual value of the vehicle, the mileage restrictions and the conditions that represent excess wear and damageWhen this vehicle returned to Hann possession, damage was apparent and Hann had cause to have the vehicle appraised for damage repair costsPursuant to the terms of the lease, all damaged existing to the vehicle is considered excess; the lease further provides a $damage waiver, that covers conditions that would fall under wear and tearIn this instance the appraisal reported $2,as cost to restore the vehicle, the first $is waived leaving a remaining damage assessment of $2,A review of the photographs taken during the inspection shows the two front tires were worn beyond the threshold set in the lease agreementThe tire manufacturer sets expected mileage limits before recommended replacement, however there are a number of factors, such as driving conditions and over or under inflation that will cause the tires to wear with lower mileageOne tire also had sidewall damage that is also listed as an excess conditionIn addition, the appraisal shows deep scratches along the left side of the vehicle with a dent to the left front fender, which requires repair and repainting and blending of the paint to even the color. Other charges assessed to the account include NJ State Sales Tax on the damage charge and a $disposition feeThe disposition fee is disclosed in the lease and as chargeable item in the event the vehicle is returned at the end of the lease, as it was hereSeveral notices were provided to Mr*** advising of the end term procedures and that the vehicle would be inspected for damage on its return to HannThe purpose of the notice was to remind the lessee of his obligation to maintain and repair the vehicle as neededMr*** also could have had an appraisal performed prior to returning the vehicleAs the costs and charges listed on the statement are an accurate reflection of the account records and vehicle no adjustment is warranted
Complaint: ***
I am rejecting this response because:The lease agreement is exactly how you describe in the bulk of your response to my complaintAll except for ONE GLARING OMMISSION*** Financial is basically claiming that market conditions determine any equity, negative or positive gained or lost belongs to *** financial as they are the titled owner during the term of the lease agreement.However, as was told to me over the phone, and is not stated anywhere on the lease agreement was that it was HANN's practice to charge 20% over the residual value agreed upon with customer if the vehicle was to be sold third party dealer. This implies that market values etcHave absolutely nothing to do with my complaint as statedNo where in the lease agreement does it say that if I decided to trade in the vehicle this fee would be added onAgain, I would have never agreed to such termsI further argue that no other Vehicle Dealer has such a practice. It begs to question if buyers are being baited into a lease agreement to which *** is changing the rules to after the contract is signed.
Regards,
*** ***
Complaint: ***
@page { margin: 0.79in } p { margin-bottom: 0.1in; line-height: 120% } I am rejecting this response because: My wife and I originally tried to return the car on Memorial Day Weekend The salesman, *** ***, looked at the car and told us that the car was in good condition, and if we leased using Honda Financial we wouldn’t have any problemsHowever, he explained that because we leased with Hann Financial we might get charged for a scratch on the doorWe decided to have it repaired to avoid any chargesThe car was brought to *** *** *** on *** ** in Deer Park NYThe owner felt that car was in good condition but would repair the scratchWe returned the car and leased a new one without any mention of damage from the dealershipThe owner of the bodyshop is willing to attest to the condition of the carThe damage to the car must have occurred after we dropped it off or the damage does not existRegards,
*** ***
Complaint: ***
I am rejecting this response because:
Once again you are insulting & assuming people didn't hear what we heardThank you for your time & sub-par customer serviceEvery member of your team is unqualified & lacking of knowledge or patienceI already wrote a far from stellar review online for your company & will continue to take to social media & beyond to prove my point simply out of principalI am positive I am not in the wrong here & not surprisingly there are more then plenty people that agree with me in similar unsatisfactory online reviewsActually a lot of people that share my experience.
Regards,
*** ***
Dear Ms***, This is in response to the compliant filed by *** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Chrysler The Lease Agreement between the
parties defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageOn return of the vehicle to Hann, the vehicle was appraised on behalf of Hann by *** *** *** The report revealed necessary damage repairs totaling $4,Although the damage is evidenced by photographs taken during the appraisal, Hann has removed the damage charge from the account because the vehicle was sold and not available for the consumer to obtain her own appraisal of the vehicleShould you have any questions or need any additional information, please do not hesitate to contact meRegards, *** ***
This is in response to the complaint filed by *** *** concerning the repossession of her vehicle and assessment of costs to her accountWhile Hann certainly can understand circumstances that will cause a payment to occasionally be late and tries to work with consumers whenever
possible to afford the best resolution for everyoneThe Lease Agreement entered into by Ms*** requires monthly payments in the amount of $to be submitted on the 28th day of each monthThe agreement further states a late payment fee is due on any payment received more than days past the stated due dateIn addition, a default to the agreement occurs any time a payment is not received within days of its due date(see Lease Agreement item numbers 6, 20, and 25(c).)Tthe agreement further states that in the event of default Hann may take possession of the vehicle wherever it may be found and without prior notice to the lesseeThe account notes payments were received days beyond the due date in the months of August 2016, April, May and June 2017, which caused late charges to be assessed to the accountCreditors are required to advice once every month period that a vehicle is subject to repossession if a default is not cured by the date stated in the notice. In this instance, the notice of potential repossession was included in the April 11, noticeThe account notes reveal that the home phone on May 26, was not in service and a voicemail message was left at the cellphone number on fileMessages were also left to both numbers on May 31, Two payments were scheduled by the consumer to post on June 7, 2017, then she changed the date to June 9, 2017; subsequently both payment were returned by the consumer’s bank on June 16, There were no calls from Ms*** to explain extenuating circumstancesThe first call from Mr*** was after the vehicle was repossessed on June 20, The actions of Hann in this instance were within the terms of the lease agreement and applicable law, accordingly no refund of the costs incurred are due to the consumer Should you have any additional questions or concerns please do not hesitate to contact me directly
The payment due date was not moved backward, but forward allowing an extra day before the payment became dueHann also provided the consumer a payment coupon book that clearly shows the payment due date on the first of the month; and the date that a late fee would be assessed to the account. The Hann website also shows displays this information as it applied to the current payment dueI apologize that Mr*** became confused over the payment due dateHann is always willing to speak with our customers and work to resolve any issues that may ariseWhile Hann maintains that moving the due date forward one day was not done to harm, confuse, or intentionally cause the account to incur late fees; Hann has removed all the late and other charges from the account
While it is unfortunate that Ms*** is unhappy with her relationship with Hann Financial, it should be noted that Hann made its decision to remove the damage charge from the account following its own investigation and without regard to any claimed video and pictures Ms*** may have takenHann has decided to remove the disposition fee from this account as a courtesy to good customer