Orchid Cellmark, Inc.

Complaint: ***
I am rejecting this response because: I did not leave the vehicle in the body shop unpaidYou're correct my insurance company wrote the check out to me, as it is my insuranceI then in return cashed it and paid the body shop like the owner requestedSo if it was unpaid I had no idea, as I was stuck in s rental car for months, waiting to pick up the carI was even still making payments on the carI don't see how there was an nsf when I come in to pay you at the Cesar Chavez locationIf you check your records you will see, that all payments are pin payments in office Also the high amount for the car is showing twelve thousand and when y last pay went was made I was left owing 10,800.
Regards,
*** ***

Back in September/October of 2014, the customers insurance company issued a check payable to only the customer to repair the vehicle for damage. The customer then signed and cashed the insurance check, but left the vehicle at the body shop. Abandoned the vehicle. Then there was an NSF for the...

October 2014 monthly payment. We then had to repossess the vehicle for an NSF and for non payment. I believe the insurance company had to pay the repair twice since the customer cashed the check without paying the body shop.If her credit is showing a balance owed, I can correct that. The customer's credit should reflect "Paid in Full/Repossession Write Off".As far as the customer's claim of a 1040; this is incorrect. We advised the customer that she would receive a 1099c Cancellation of Debt, as required by law. This was sent to the last known address earlier this year before January 31st. We have done everything we are legally obligated to do. If the credit reporting reflects inaccuracies, this is an issue with TransUnion, not with Revdex.com. I can reach out to our TransUnion account representative and make the corrections.

Complaint: [redacted]
I am rejecting this response because: That is a false statement , I did call several time for the car to get looked at. Everyone kept giving me the run around. Telling me maybe it’s just the battery and they were giving me all kinds of advice but not once did they look at the car. I shouldn’t  have to pay for a car that they gave me in a month. They didn’t care at all about anything I was saying unless I was handing them some money. They did not try at all for this car. They knew this car was messed up when they gave it to me that’s why it was the “only” car I was allowed to purschase from them. Scam artist and they need to be put to a stop. Now I’m car-less with no promotion because of these people. 
I would like my down payment back. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not satisfactory to me. I have lost my job duE to this my child was dropped from school due to the loss of my car and im not settling for that poor response. The service manager gave me a paper saying this is a Repossession due to non payment, if I have to go further to get this resolved then that's what I will do
Regards,
[redacted]

We understand that the deferred down payments can sometimes be difficult to comprehend. But I assure you, no one lied to this customer about the deferred down payments. The down payment required for this vehicle was $1750. The sales manager discounted the required down payment to $1400. Which means...

that the required down payment was now $1400. This customer had $1300 to put down for this vehicle. Leaving a $100 down payment balance. The sales manager split the remaining $100 down payment into 6 payments of $16.67. So when you make your regular scheduled payment of $110 weekly payment, you would be adding the $16.67 to that $110 weekly payment.   Simple math… $110 weekly payment plus the deferred down payment split of $16.67 would equal $126.67.   1/26/18: $110 + $16.67 (1 of 6) = $126.67 2/2/18: $110 + $16.67 (2 of 6) = $126.67 2/9/18: $110 + $16.67 (3 of 6) = $126.67 2/16/18: $110 + $16.67 (4 of 6) = $126.67 2/23/18: $110 + $16.67 (5 of 6) = $126.67 3/2/18: $110 + $16.67 (6 of 6) = $126.67   3/9/18: $110 from now until the end of the contract.   Both the Offer to Purchase, as well as the Retail Installment Contract, spell these terms out as clear as can be.  As far as the desired settlement. We at Dynamic Motors, Inc., do not want this customer to feel they were lied to. It is not our intentions for a customer to feel that they were taken advantage of. All items that this customer sign, clearly shows and explains exactly where all monies are applied to. After reviewing this complaint, we have decided to NOT report any negative remarks on the customer’s credit. This customer requested that we mark his credit as a voluntary “reposition” (repossession). We feel however, that marking his credit as a “voluntary repossession” is not fair to the customer. There’s no need for this customer’s credit to have a negative mark at all. We have also decided that a refund of $900 is a fair refund to issue. The customer is welcome to return to the sales location and a refund check will be issued.

To clarify, no... You did not make payments in the office. Your account was set up on automatic payments. The last payment that was made "via automatic online payment", was on 10/1/14.... Then that payment came back NSF 10/3/14. Regardless, I'm not sure what you're wanting. This vehicle wasn't paid for, we picked up the vehicle from the body shop with a balance still owed. Your credit should be marked as "Paid in Full/Was Repossession". There is no balance owed because we are not pursuing you for any amounts. We will not change what is being reported unless something is wrong. But as of now, this account was written off for non-payment/repossession and your credit should reflect that.

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her transmission went out. I also understand that this customers desired settlement would be EITHER a refund OR for her credit to not be reported as a repossession. Since this customer has had this vehicle for two years, a refund is definitely not an option. We did tow her vehicle in for service before her payment was past due, so I will be reporting to her credit, “Voluntary Surrender”. [redacted] and Dynamic Motors, Inc. did not have to Repossess this vehicle from this customer, and by this customer own admission, she has decided to return the vehicle to us. Hence, a “Voluntary Surrender”, will be reported. This vehicle was not Repossessed.    [redacted] Dynamic Motors, Inc. [redacted]

On 7/7/16, this customer did purchase a 2014 Hyundai Sonata, with under 41k miles... At no point did this customer state there was anything wrong with the vehicle.  This customer read, signed, and understood three different forms acknowledging that a test drive has been performed. There...

are also specific items that the customer acknowledged… One of those forms is a “Delivery and Acceptance” form. The first item on that form states; “1. I have driven the vehicle and am satisfied with the vehicle that I am asking the Dealer to finance for me.” Another form is the “Customer Delivery Checklist”. Item number three on that form states; “3. I have personally inspected the vehicle, had an opportunity to test drive it and found it free from any reasonably discoverable damage and/or defects.” —At that time of reading, signing, and acknowledging… This customer didn’t say anything about a flap hanging from the vehicle.  This customer also read, signed, and understood the AutoCheck Vehicle History report. This report shows all vehicle history information for that vehicle. Nowhere on that vehicle history report does it show damage or an accident.  Now that her claim of, “there was something wrong when I bought the vehicle”, has been proven false… Let’s move to the real reason this customer doesn’t want the vehicle. When she came into the office, she stated that she was waiting for someone to pay her money. The person that owed her money skipped town and she no longer is getting whatever money was owed to her. This customer came in saying that she can’t afford the vehicle. She stated that she does not have the money to make her first payment.  We did not make this customer buy the vehicle. We did not force her to buy this vehicle. But she is contractually obligated to make her payments. If she is unable to, she is more than able to return this vehicle back to the dealership. No refund will be given. No partial refund will be given. We have done nothing wrong and have not wronged this customer in any way. This complaint is without merit. She simply cannot afford to make her payments and is trying to pass off her poor financial planning onto our business.

The customer still has possession of her vehicle. We still stand by our original response. No refund will be given.

I understand that this customer had some mechanical issues. I also have several notes in our system where we attempted to make an appointment with this customer for vehicle repairs. This customer never set up an appointment. This customer never returned our calls when we attempted to schedule the...

service appointment. When the manager finally did get a hold of this customer, this customer wanted to purchase another car from us. We asked her to provide proof that she could afford two car payments. She could not.  Then customer was upset that her was still had mechanical issues.... Well. If you don't return our calls to schedule service, your vehicle can't get repaired. If you don't want to pay the warranty deductible, your vehicle won't get repaired.  Simply put... We can't fix a vehicle if the customer never schedules an appointment. Simply put... We won't fix the vehicle if the customer refuses to pay for the tow and warranty deductible.  As of now, this vehicle has been placed in a repossession status, repossession-vehicle abandoned. No refund will be given. We made several attempts to assist this customer with her mechanical issues. This customer just wants another vehicle after having this current vehicle for 2 months and is trying to lump her failure to cooperate with us in repairing her vehicle with her buyers remorse.

The Collateral Protection program specifically states that it does not cover tires. This customer has been involved in 3 different accidents whilst on the Collateral Protection program. He is well aware of what is covered and what is not. If he is not satisfied with the Collateral Protection...

program, he is more than welcome to provide new insurance that meets our requirements. The alignment was off after this second accident by this customer. That is true. We informed him to immediately take his vehicle to [redacted] to have it aligned. Yet he continued to drive the vehicle. This customer states that his tires were hazardous to drive and could cause an accident with injury, possibly death… If that were true, then why did he continue to drive his vehicle even after we advised him to go directly to [redacted]?We have repaired this customer’s vehicle multiple times due to accidents involving this vehicle. Clearly maintenance and the care of this vehicle is not a primary concern. We will be more than happy to repair vehicles when there is damage or mechanical problems. But we are not responsible for general wear and tear and neglect by the customer.

Complaint: [redacted]
I am rejecting this response because: There are no towing company that exists with this name.  I have not been provided with a business phone number so have no way to resolve concerns 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
To clarify I have my bank showing I paid.  Yes automatic payment was set up but never used. I have always come to the Cesar Chavez location to male my payments. It shouldn't be on my credit at all. It should be closed and removed.

The Repossession Company is [redacted] [redacted]. The telephone number we have is [redacted] That is all the information we have.