North East Auto Credit, LLC

Miss ***,My name is [redacted] , and I am one of the owners of North East Auto CreditI want to help you out as much as I canThe reason why you have spent this amount, and will spend more in order to pay the vehicle off is due to interest owed on the loanAs you have made payments, the principal balance has decreased, and will continue to decrease until you pay the loan offAt the time of closing you did sign a retail installment contract that outlines all of these terms and figuresIf you would like to review these documents with one of our finance specialists, please feel free to give us a call to set up an appointmentIf you would like to speak with me directly, please e-mail me at ***@ [redacted] .com.For reference, here is a picture of your payment history with the finance company, ***Payment History Summary# Paid Current# Paid 0-Late# Paid 16-Late# Paid 31-Late# Paid 61-Late# Paid 91-Late# Paid over Late# Extd0Late payment drives interest balances up, so you can save a lot of money by making timely paymentsAlso, your payment is currently four days past duePlease call the finance company (***) and make a payment to avoid penaltiesI hope that this message was helpful, I look forward to hearing from you.Thank you, [redacted] @ [redacted] .com

Date: March 4, From: LGM Financial To: [redacted] Re: [redacted] [redacted] ***This is the rebuttal to [redacted] ’s complaintAs I stated in the original response our computer does not allow us to post payments ahead of a scheduled paymentThat is not a mistake but a factMs [redacted] paid the lump sum early, which was a good thingAt no point from my research did we ever take a double payment or any other payment without her knowledge or approvalMs [redacted] stated that someone told her that we couldn’t run her paymentI am unable to determine who this person was but I did speak to the Manager, whose name is Dan, who had a conversation with his staff about what to do if a similar situation happens in the futureIf Ms [redacted] would like to provide with copies of her bank statement showing that we took money that we were not authorized to take we will gladly make restitution and apologize if there was a mistake on our partRegards, Terry M [redacted] LGM

Date: March 4, From: LGM Financial To: [redacted] Re: [redacted] ? ? ? ? ? [redacted] ***This is the rebuttal to [redacted] ’s complaintAs I stated in the original response our computer does not allow us to post payments ahead of a scheduled paymentThat is not a mistake but a factMs [redacted] paid the lump sum early, which was a good thingAt no point from my research did we ever take a double payment or any other payment without her knowledge or approval Ms [redacted] stated that someone told her that we couldn’t run her paymentI am unable to determine who this person was but I did speak to the Manager, whose name is Dan, who had a conversation with his staff about what to do if a similar situation happens in the futureIf Ms [redacted] would like to provide with copies of her bank statement showing that we took money that we were not authorized to take we will gladly make restitution and apologize if there was a mistake on our partRegards, Terry M [redacted] LGM

In the case of [redacted] , I have investigated this matter with the assistance and full cooperation of the sales, finance, and service staff at the North East Auto CreditMs [redacted] alleges that her vehicle has had mechanical issues since purchasingAs a result, she would like for the dealership to exchange the vehicle or to provide her with a refund Ms [redacted] purchased a Chevrolet Cobalt on May 18, from North East Auto Credit The vehicle is covered by a month or 30,mile service contract which mainly covers the major components of the power trainWhile the dealership understands that dealing with any mechanical issue can be frustrating: a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs in order to ensure its continued useService records indicate that the dealership has previously performed non-covered services at no charge to Ms [redacted] Upon receipt of her complaint, our service department immediately contacted Ms [redacted] and scheduled her to bring the vehicle in for repair on June 27, Ms [redacted] dropped the vehicle off to the service center, and was provided a complimentary substitute vehicle to drive while the service center diagnoses and repairs her vehicleThe service center noted all of Ms [redacted] ’ concerns, and will perform repairs to correct the conditions that she is complaining of at no chargeFinally, Ms [redacted] ’ vehicle will inspected by the management team to ensure that the repairs are accurate, complete, and effective North East Auto Credit strives to achieve the complete satisfaction of each and every customer The dealership was sorry to learn of Ms [redacted] ’ dissatisfaction as expressed in her complaint to your office The dealership will continue to accommodate Ms [redacted] to the best of our abilities, and hope to move forward amicably in our relationship with her

Good afternoon,? ? ? My name is [redacted] and I am the Customer Service Manager here at North East Auto CreditMa'am, you did not purchase a vehicle from us at any point in timeAccording to our notes from when you called in, you purchased a vehicle from someone from CraigslistWe have no history of you ever even being in our dealershipThe car you purchased,? you did not purchase from usSo why would we be responsible for anything going wrong with your vehicle? Best of luck to you and your children but we will not be fixing any car that we did not sellIf you are having an issue with your vehicle we suggest you go to the private seller that you bought it fromThank you and have a great day.?

Good afternoon, My name is *** *** and I am the Customer Service Manager at North East Auto CreditAfter reviewing your case we have determined that everything was accurate in your paperworkAll prices were discussed with you in your contract prior to you purchasing the
vehicleYou then signed the contract thereby agreeing to said price at time of sale including whatever interest the bank that is financing you is charging you. In regards to the feature listed on the site, we have a disclaimer stating "It is the customer’s sole responsibility to verify the existence and condition of any equipment listedNeither the dealership nor eBizAutos is responsible for misprints on prices or equipmentIt is the customer’s sole responsibility to verify the accuracy of the prices with the dealer, including the pricing for all added accessories." Prior to the sale you were also afforded the opportunity to review any and all features on the vehicle, hire a third party inspector to inspect the vehicle or have amechanic look over the vehicle.At no point were you coerced into buying a vehicle you did not want and you were afforded every opportunity to check any features that you wanted on the vehicleWe cannot be held liable for a contract that you signed purchasing the vehicle as we did not mislead you in anywayEverything is stated plainly and clearly in your contractThank you and please feel free to reach out to me at your convenience. *** ***

Date: March 4, From: LGM Financial To: *** *** Re: *** * *** *** *** ***My name is Terry M***I am responding to the complaint filed by *** ***I spoke to *** today and personally apologized to her for any
confusionThe $2,payment was not due until 3/15/Our computer software will not allow us jump over payments that might come due before this dateIn this case 3/15/because we had another scheduled payment due on 2/16/After explaining this to Ms***, she ask me to run her payment of $and her next scheduled payment of $will be paid on 3/15/Ms*** acknowledge that this complaint has been handledI also gave her the phone number that she should use if she has any issues in the futureWe appreciate *** as a customer and glad to be able to resolve this matterRegards, Terry M*** LGM

Dear *** ***My name is *** ***I am the
Operations Manager for VRM EnterprisesI am responding to *** ***’s
complaint
First of all I would like to apologize to *** for any
misunderstanding regarding credit reportingWe report to *** *** onlyIf
she disputes what is being reported to trans union she can go to *** and file a disputeThis way any
discrepancies can be resolved
VRM appreciates *** as a customer and hopes that this
resolves this matterIf anything additional is required, I can be reached at
***
Regards,
*** ***
***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
Once again if he were paying attention not once did I state that he DID take money from my accountI called and called and seen no results I then filed a complaint here and that what when they decided to call me back after they knew I filed a complaint...It shouldnt of come to that point I i suppose I should of just let them take the money out of my account so that I would of had a real strong case against themYes the payment was figured out after all of this headache having to take place but in no way was it a misunderstanding and I believe he can agree with me on that since he felt it was necessary to have Dan talk to the Employees there on how to handle situations like the one I was forced to experienceThe lady there could of easily ran my payment through manually instead she got an attitude and said she couldnt help me, I understand thats not you but it is who represents your companyThere was no misunderstanding on my part this is 100% as a result from your companies misunderstanding and poor customer serviceI worried weeks that I was going to be in a financial hardship because all of this money was supposedly going to be taken from me, I lost sleep over this I have kids do you know what its like to worry that im gonna be short on money because of someone elses ignorance? I just want you to admitt this was a problem with in your company either from them not knowing the proper protocol ( what you had dan talk with the employees there about) or just poor customer service which the ladies that answer the phone display.

Good afternoon, My name is *** *** and I am the Customer Service Manager at North East Auto CreditAfter reviewing your case we have determined that everything was accurate in your paperworkAll prices were discussed with you in your contract prior to you purchasing the
vehicleYou then signed the contract thereby agreeing to said price at time of sale including whatever interest the bank that is financing you is charging you. In regards to the feature listed on the site, we have a disclaimer stating "It is the customer’s sole responsibility to verify the existence and condition of any equipment listedNeither the dealership nor eBizAutos is responsible for misprints on prices or equipmentIt is the customer’s sole responsibility to verify the accuracy of the prices with the dealer, including the pricing for all added accessories." Prior to the sale you were also afforded the opportunity to review any and all features on the vehicle, hire a third party inspector to inspect the vehicle or have amechanic look over the vehicle.At no point were you coerced into buying a vehicle you did not want and you were afforded every opportunity to check any features that you wanted on the vehicleWe cannot be held liable for a contract that you signed purchasing the vehicle as we did not mislead you in anywayEverything is stated plainly and clearly in your contractThank you and please feel free to reach out to me at your convenience. *** ***

Date: March 4, From: LGM Financial To: *** *** Re: *** * *** *** *** ***My name is Terry M***I am responding to the complaint filed by *** ***I spoke to *** today and personally apologized to her for any
confusionThe $2,payment was not due until 3/15/Our computer software will not allow us jump over payments that might come due before this dateIn this case 3/15/because we had another scheduled payment due on 2/16/After explaining this to Ms***, she ask me to run her payment of $and her next scheduled payment of $will be paid on 3/15/Ms*** acknowledge that this complaint has been handledI also gave her the phone number that she should use if she has any issues in the futureWe appreciate *** as a customer and glad to be able to resolve this matterRegards, Terry M*** LGM

Dear *** ***My name is *** ***I am the
Operations Manager for VRM EnterprisesI am responding to *** ***’s
complaint
First of all I would like to apologize to *** for any
misunderstanding regarding credit reportingWe report to *** *** onlyIf
she disputes what is being reported to trans union she can go to *** and file a disputeThis way any
discrepancies can be resolved
VRM appreciates *** as a customer and hopes that this
resolves this matterIf anything additional is required, I can be reached at
***
Regards,
*** ***
***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
Once again if he were paying attention not once did I state that he DID take money from my accountI called and called and seen no results I then filed a complaint here and that what when they decided to call me back after they knew I filed a complaint...It shouldnt of come to that point I i suppose I should of just let them take the money out of my account so that I would of had a real strong case against themYes the payment was figured out after all of this headache having to take place but in no way was it a misunderstanding and I believe he can agree with me on that since he felt it was necessary to have Dan talk to the Employees there on how to handle situations like the one I was forced to experienceThe lady there could of easily ran my payment through manually instead she got an attitude and said she couldnt help me, I understand thats not you but it is who represents your companyThere was no misunderstanding on my part this is 100% as a result from your companies misunderstanding and poor customer serviceI worried weeks that I was going to be in a financial hardship because all of this money was supposedly going to be taken from me, I lost sleep over this I have kids do you know what its like to worry that im gonna be short on money because of someone elses ignorance? I just want you to admitt this was a problem with in your company either from them not knowing the proper protocol ( what you had dan talk with the employees there about) or just poor customer service which the ladies that answer the phone display

Good afternoon,? ? ? My name is Matthew and I am the *** *** ***? here at North East Auto CreditAfter checking your service records we see that we replaced the engine once since your date of purchaseThe second time the problem wasn't your engine but the bolts on your
power steeringI spoke with the GM and if it is your engine and you are under warranty still then we will fix it at no cost to youI will have someone from the Service Department give you a callThank you and I hope you have a nice day.? ? Matthew C*** *** ***NEAC***

Date: March 4, From: LGM Financial To: *** *** Re: *** * *** ? ? ? ? ? *** *** ***This is the rebuttal to *** ***’s complaintAs I stated in the original response our computer does not allow us to post payments ahead of a scheduled paymentThat is not a mistake but a factMs*** paid the lump sum early, which was a good thingAt no point from my research did we ever take a double payment or any other payment without her knowledge or approval Ms*** stated that someone told her that we couldn’t run her paymentI am unable to determine who this person was but I did speak to the Manager, whose name is Dan, who had a conversation with his staff about what to do if a similar situation happens in the futureIf Ms*** would like to provide with copies of her bank statement showing that we took money that we were not authorized to take we will gladly make restitution and apologize if there was a mistake on our partRegards, Terry M*** LGM

Good afternoon,? ? ? My name is *** and I am the Customer Service Manager here at North East Auto CreditMa'am, you did not purchase a vehicle from us at any point in timeAccording to our notes from when you called in, you purchased a vehicle from someone from CraigslistWe have
no history of you ever even being in our dealershipThe car you purchased,? you did not purchase from usSo why would we be responsible for anything going wrong with your vehicle? Best of luck to you and your children but we will not be fixing any car that we did not sellIf you are having an issue with your vehicle we suggest you go to the private seller that you bought it fromThank you and have a great day.?

Miss [redacted],My name is [redacted], and I am one of the owners of North East Auto Credit. I want to help you out as much as I can. The reason why you have spent this amount, and will spend more in order to pay the vehicle off is due to interest owed on the loan. As you have made payments, the...

principal balance has decreased, and will continue to decrease until you pay the loan off. At the time of closing you did sign a retail installment contract that outlines all of these terms and figures. If you would like to review these documents with one of our finance specialists, please feel free to give us a call to set up an appointment. If you would like to speak with me directly, please e-mail me at [redacted].com.For reference, here is a picture of your payment history with the finance company, [redacted]. Payment History Summary# Paid Current# Paid 0-15 Late# Paid 16-30 Late# Paid 31-60 Late# Paid 61-90 Late# Paid 91-120 Late# Paid over 120 Late# Extd25421 0 0 0 0 0Late payment drives interest balances up, so you can save a lot of money by making timely payments. Also, your payment is currently four days past due. Please call the finance company ([redacted]) and make a payment to avoid penalties. I hope that this message was helpful, I look forward to hearing from you.Thank you,[redacted].com

Good afternoon,   My name is Matthew and I am the [redacted] here at North East Auto Credit. After checking your service records we see that we replaced the engine once since your date of purchase. The second time the problem wasn't your engine but the bolts on your...

power steering. I spoke with the GM and if it is your engine and you are under warranty still then we will fix it at no cost to you. I will have someone from the Service Department give you a call. Thank you and I hope you have a nice day.  Matthew C[redacted]NEAC[redacted]

Date: March 4, 2016 From: LGM Financial To: [redacted] Re: [redacted]       [redacted]. This is the rebuttal to [redacted]’s complaint. As I stated in the original response our computer does not allow us to post payments ahead of a scheduled payment. That is not a mistake but a fact. Ms. [redacted] paid the lump sum early, which was a good thing. At no point from my research did we ever take a double payment or any other payment without her knowledge or approval. Ms. [redacted] stated that someone told her that we couldn’t run her payment. I am unable to determine who this person was but I did speak to the Manager, whose name is Dan, who had a conversation with his staff about what to do if a similar situation happens in the future. If Ms. [redacted] would like to provide with copies of her bank statement showing that we took money that we were not authorized to take we will gladly make restitution and apologize if there was a mistake on our part. Regards, Terry M[redacted] LGM

In the case of [redacted], I have investigated this matter with the assistance and full cooperation of the sales, finance, and service staff at the North East Auto Credit. Ms. [redacted] alleges that her vehicle has had mechanical issues since purchasing. As a result, she would like for the...

dealership to exchange the vehicle or to provide her with a refund.
 
Ms. [redacted] purchased a 2005 Chevrolet Cobalt on May 18, 2015 from North East Auto Credit.  The vehicle is covered by a 24 month or 30,000 mile service contract which mainly covers the major components of the power train. While the dealership understands that dealing with any mechanical issue can be frustrating: a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs in order to ensure its continued use. Service records indicate that the dealership has previously performed non-covered services at no charge to Ms. [redacted].
 
Upon receipt of her complaint, our service department immediately contacted Ms. [redacted] and scheduled her to bring the vehicle in for repair on June 27, 2015. Ms. [redacted] dropped the vehicle off to the service center, and was provided a complimentary substitute vehicle to drive while the service center diagnoses and repairs her vehicle. The service center noted all of Ms. [redacted]’ concerns, and will perform repairs to correct the conditions that she is complaining of at no charge. Finally, Ms. [redacted]’ vehicle will inspected by the management team to ensure that the repairs are accurate, complete, and effective.
 
North East Auto Credit strives to achieve the complete satisfaction of each and every customer.  The dealership was sorry to learn of Ms. [redacted]’ dissatisfaction as expressed in her complaint to your office.  The dealership will continue to accommodate Ms. [redacted] to the best of our abilities, and hope to move forward amicably in our relationship with her.