Newport Acceptance Corp

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] ***

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 I spoke with the DMV today and registration is paid for and this matter is between Newport Acceptance and Myself, the buyer, I need the lien signed and mailed to meI can change ownership myself once I have the signed tittle realsedEven the DMV agent said I held up my side of business now Newport Acceptance should do the same Regards, [redacted]

I recommend the writer contact [redacted] , one of our senior managers, to discuss her account.? He can be reached at [redacted] ext***.? (Our offices are closed until Monday, December 28th.)The DMV will not release the title to us, a condition which we are not able to cure.? It is on her to do so as the DMV has placed the hold on her title.However - and this is the key point - we have provided her an alternate release of our interest via the notarized Lien Satisfied document that we mailed to her at the address established for her account.? If she hasn't already done so, she can use that to transfer ownership to a buyer of the vehicle or she can use it at the DMV to have Newport Acceptance removed as the legal owner, and have the title issued solely in her name.If she is comfortable discussing this matter in English, I encourage her to call our office and ask for me directly so we may expedite the matter.? I am at extension ***

I have reviewed this complaint, discussed the matter with management present in the office where Mr [redacted] works as well as with other employees on his team, and flagged the account per the writer’s request so Mr [redacted] no longer initiates phone contactThe contract signed by the writer stipulates the contractual obligations they must meet.? We also have legal and contractual obligations, and we have multiple practices and policies to ensure we are fully compliant with those obligations.? These include formal third-party training on state and federal collection law as well as a variety of subjects pertaining to auto finance, direct management oversight of all representatives and internal training sessions to ensure all representatives and supervisors are fully aware of and properly trained in the requirementsThat said, we also answer to a higher standard.? We make every effort to help each customer who hits the almost inevitable financial “speed bumps” that we all encounter, particularly for those customers who have operated in good faith under their contracts.? We strive to provide fast, professional responses to our customers’ questions and concerns.? Our website includes links to resources we believe are useful not only to our customers, but all borrowers as well.? These links include a financial dictionary, the Fair Debt Collection Practices Act, the Consumer Credit Protection Act, the Revdex.com, the Business Consumer Alliance and the Consumer Financial Protection BureauWe do this because we firmly believe everyone should be better educated on matters that impact their financial health, their financial rights and their financial responsibilities, as well as the rights and responsibilities of their creditors.? As I mentioned at the open, I have noted on the account that Mr [redacted] is not authorized to contact the writer by phone.? I encourage the writer to review their contract, make sure they understand their responsibilities under the contract and make every effort to comply with those responsibilities.? In the event they are unable to do so, I encourage them to call us to discuss their options so we may note their plan on the account, as this will ensure the greatest possibility of a positive outcome to any default

Newport Acceptance requested the paper title on June 30, and the DMV denied our request on July 1st.The reason for the denial was expired registration as of November 2014.Newport also provided a DMV document, properly completed and notarized, called a Lien Satisfied. This document released our interest in the vehicle and was mailed to the writer on November 19th There is DMV activity on the vehicle in the following week, which could indicate the writer received the Lien Satisfied and took action to transfer ownership or otherwise update the DMV records to delete Newport Acceptance as the legal owner.In order to receive the paper title, the registered owner will likely have to pay the past due registration fees for the vehicle. I recommend they contact the DMV to address this matter, as there is nothing Newport can do to resolve the problem

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Newport Acceptance requested the paper title on June 30, and the DMV denied our request on July 1st.The reason for the denial was expired registration as of November 2014.Newport also provided a DMV document, properly completed and notarized, called a Lien Satisfied. This document
released our interest in the vehicle and was mailed to the writer on November 19th There is DMV activity on the vehicle in the following week, which could indicate the writer received the Lien Satisfied and took action to transfer ownership or otherwise update the DMV records to delete Newport Acceptance as the legal owner.In order to receive the paper title, the registered owner will likely have to pay the past due registration fees for the vehicle. I recommend they contact the DMV to address this matter, as there is nothing Newport can do to resolve the problem

I have reviewed this complaint, discussed the matter with management present in the office where Mr*** works as well as with other employees on his team, and flagged the account per the writer’s request so Mr*** no longer initiates phone contactThe contract signed by the writer stipulates
the contractual obligations they must meet. We also have legal and contractual obligations, and we have multiple practices and policies to ensure we are fully compliant with those obligations. These include formal third-party training on state and federal collection law as well as a variety of subjects pertaining to auto finance, direct management oversight of all representatives and internal training sessions to ensure all representatives and supervisors are fully aware of and properly trained in the requirementsThat said, we also answer to a higher standard. We make every effort to help each customer who hits the almost inevitable financial “speed bumps” that we all encounter, particularly for those customers who have operated in good faith under their contracts. We strive to provide fast, professional responses to our customers’ questions and concerns. Our website includes links to resources we believe are useful not only to our customers, but all borrowers as well. These links include a financial dictionary, the Fair Debt Collection Practices Act, the Consumer Credit Protection Act, the Revdex.com, the Business Consumer Alliance and the Consumer Financial Protection BureauWe do this because we firmly believe everyone should be better educated on matters that impact their financial health, their financial rights and their financial responsibilities, as well as the rights and responsibilities of their creditors. As I mentioned at the open, I have noted on the account that Mr*** is not authorized to contact the writer by phone. I encourage the writer to review their contract, make sure they understand their responsibilities under the contract and make every effort to comply with those responsibilities. In the event they are unable to do so, I encourage them to call us to discuss their options so we may note their plan on the account, as this will ensure the greatest possibility of a positive outcome to any default

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I spoke with the DMV today and registration is paid for and this matter is between Newport Acceptance and Myself, the buyer, I need the lien signed and mailed to meI can change ownership myself once I have the signed tittle realsedEven the DMV agent said I held up my side of business now Newport Acceptance should do the same
Regards,
*** ***

I have reviewed this complaint, discussed the matter with management present in the office where Mr*** works as well as with other employees on his team, and flagged the account per the writer’s request so Mr*** no longer initiates phone contactThe contract signed by the writer stipulates
the contractual obligations they must meet. We also have legal and contractual obligations, and we have multiple practices and policies to ensure we are fully compliant with those obligations. These include formal third-party training on state and federal collection law as well as a variety of subjects pertaining to auto finance, direct management oversight of all representatives and internal training sessions to ensure all representatives and supervisors are fully aware of and properly trained in the requirementsThat said, we also answer to a higher standard. We make every effort to help each customer who hits the almost inevitable financial “speed bumps” that we all encounter, particularly for those customers who have operated in good faith under their contracts. We strive to provide fast, professional responses to our customers’ questions and concerns. Our website includes links to resources we believe are useful not only to our customers, but all borrowers as well. These links include a financial dictionary, the Fair Debt Collection Practices Act, the Consumer Credit Protection Act, the Revdex.com, the Business Consumer Alliance and the Consumer Financial Protection BureauWe do this because we firmly believe everyone should be better educated on matters that impact their financial health, their financial rights and their financial responsibilities, as well as the rights and responsibilities of their creditors. As I mentioned at the open, I have noted on the account that Mr*** is not authorized to contact the writer by phone. I encourage the writer to review their contract, make sure they understand their responsibilities under the contract and make every effort to comply with those responsibilities. In the event they are unable to do so, I encourage them to call us to discuss their options so we may note their plan on the account, as this will ensure the greatest possibility of a positive outcome to any default

I recommend the writer contact *** ***, one of our senior managers, to discuss her account. He can be reached at *** ext***. (Our offices are closed until Monday, December 28th.)The DMV will not release the title to us, a condition which we are not able to cure. It is on her to do so as the DMV has placed the hold on her title.However - and this is the key point - we have provided her an alternate release of our interest via the notarized Lien Satisfied document that we mailed to her at the address established for her account. If she hasn't already done so, she can use that to transfer ownership to a buyer of the vehicle or she can use it at the DMV to have Newport Acceptance removed as the legal owner, and have the title issued solely in her name.If she is comfortable discussing this matter in English, I encourage her to call our office and ask for me directly so we may expedite the matter. I am at extension ***

Newport Acceptance Corp’s employees all receive ongoing
internal and external education on collection law, and we take any claim of harassment
seriously.? We go far beyond that though,
because we believe that what is “legal” is not necessarily what is “best.”
To that
end, I am rather surprised that the writer claims we
are calling her at work after she instructed us not to do so.? The law requires written notification from a
borrower to a lender that calls to work, home and/or cell phone are not
allowed, but we don’t require that.? All
we ask for is verbal instructions, and we note it in a priority memo on the
customer account.?
We certainly do not want a customer’s income to be put at
risk.? It would be bad for both them and
us
Regarding her request for notices stating the account has a
past due balance, this information is included on our monthly statements, the
10-day late notice, and any other written notices we mail to the address on
record.?
Since we have no notation of any return or forwarded mail, I
have to assume these notices have been delivered, but based on the complaint I
assume they were either not opened or otherwise ignored
To address the heart of her harassment complaint, we do not allow our representatives to
contact any account daily.? Even though
that is compliant with state and federal law, we believe it is rude.? That said, if we leave a message and the
customer chooses not to return it, we will continue to attempt making contact
in order to avoid the expense, hassle and detrimental credit history effect of
a repossession.?
I do want to make one point very clear: there are no grace
periods in the customer’s purchase contract.?
We see this response from many customers, thinking they have a grace
period to make a payment.? They are
usually confusing this with laws regarding late charges, which may not be
assessed until the account exceeds days delinquent.?
Nevertheless, an account is in breach of contract when it is
one day delinquent.? In fact an account
can be fully current but in breach of contract .? The clearest example of this is when a
customer has not maintained physical damage insurance ??" more commonly known as
Comprehensive and Collision ??" naming us as the lienholder.?
This customer has requested that we make no attempts to
contact her via phone.? We will certainly
honor that request, but she should be aware that leaves us with very few
alternatives to cure a breach of contract, short of repossessing the
car.? This is NOT a situation we want to
be in
Finally the customer comments that she had requested
speaking with a supervisor and was denied.?
She was, in fact, speaking with a supervisor, but that wasn’t the point
of her request.? We have reminded all our
employees that when they receive such a request, they are to pass the call
along to their supervisor for
resolution.?
If the customer has moved and would like to update her
address with us, I encourage her to contact us via phone, email or regular mail
so she is sure to receive all written statements and notices on her account

Newport Acceptance requested the paper title on? June 30, and the DMV denied our request on? July 1st.The reason for the denial was expired registration as of November 2014.Newport also provided a DMV document, properly completed and notarized, called a Lien Satisfied.? This document
released our interest in the vehicle and was mailed to the writer on? November 19th? There is DMV activity on the vehicle in the following week, which could indicate the writer received the Lien Satisfied and took action to transfer ownership or otherwise update the DMV records to delete Newport Acceptance as the legal owner.In order to receive the paper title, the registered owner will likely have to pay the past due registration fees for the vehicle.? I recommend they contact the DMV to address this matter, as there is nothing Newport can do to resolve the problem

Newport Acceptance Corp's employees all receive ongoing
internal and external education on collection law, and we take any claim of harassment
seriously. We go far beyond that though,
because we believe that what is "legal" is not necessarily what is "best."
To that
end, I am rather surprised that the writer claims we
are calling her at work after she instructed us not to do so. The law requires written notification from a
borrower to a lender that calls to work, home and/or cell phone are not
allowed, but we don't require that. All
we ask for is verbal instructions, and we note it in a priority memo on the
customer account.
We certainly do not want a customer's income to be put at
risk. It would be bad for both them and
us
Regarding her request for notices stating the account has a
past due balance, this information is included on our monthly statements, the
10-day late notice, and any other written notices we mail to the address on
record.
Since we have no notation of any return or forwarded mail, I
have to assume these notices have been delivered, but based on the complaint I
assume they were either not opened or otherwise ignored
To address the heart of her harassment complaint, we do not allow our representatives to
contact any account daily. Even though
that is compliant with state and federal law, we believe it is rude. That said, if we leave a message and the
customer chooses not to return it, we will continue to attempt making contact
in order to avoid the expense, hassle and detrimental credit history effect of
a repossession.
I do want to make one point very clear: there are no grace
periods in the customer's purchase contract.
We see this response from many customers, thinking they have a grace
period to make a payment. They are
usually confusing this with laws regarding late charges, which may not be
assessed until the account exceeds days delinquent.
Nevertheless, an account is in breach of contract when it is
one day delinquent. In fact an account
can be fully current but in breach of contract . The clearest example of this is when a
customer has not maintained physical damage insurance – more commonly known as
Comprehensive and Collision – naming us as the lienholder.
This customer has requested that we make no attempts to
contact her via phone. We will certainly
honor that request, but she should be aware that leaves us with very few
alternatives to cure a breach of contract, short of repossessing the
car. This is NOT a situation we want to
be in
Finally the customer comments that she had requested
speaking with a supervisor and was denied.
She was, in fact, speaking with a supervisor, but that wasn't the point
of her request. We have reminded all our
employees that when they receive such a request, they are to pass the call
along to their supervisor for
resolution.
If the customer has moved and would like to update her
address with us, I encourage her to contact us via phone, email or regular mail
so she is sure to receive all written statements and notices on her account

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.
I spoke with the DMV today 2014 and 2015 registration is paid for and this matter is between Newport Acceptance and Myself, the buyer, I need the lien signed and mailed to me. I can change ownership myself once I have the signed tittle realsed. Even the DMV agent said I held up my side of business now Newport Acceptance should do the same.
Regards,
[redacted]

I recommend the writer contact [redacted], one of our senior managers, to discuss her account.  He can be reached at [redacted] ext. [redacted].  (Our offices are closed until Monday, December 28th.)The DMV will not release the title to us, a condition which we are not able to cure.  It is on her to do so as the DMV has placed the hold on her title.However - and this is the key point - we have provided her an alternate release of our interest via the notarized Lien Satisfied document that we mailed to her at the address established for her account.  If she hasn't already done so, she can use that to transfer ownership to a buyer of the vehicle or she can use it at the DMV to have Newport Acceptance removed as the legal owner, and have the title issued solely in her name.If she is comfortable discussing this matter in English, I encourage her to call our office and ask for me directly so we may expedite the matter.  I am at extension [redacted].