Peoples Commerce, Incorporated

[To assist us in bringing this matter to a close, you...

must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]I am rejecting this response because:
I have email confirmations that show your company stating that per a phone conversation, you were charging my card an amount we agreed upon. These phone conversations never happened and are fraudulent. I also went in there and asked to have my card removed from the account. I was told my card was removed and again the company tried to withdraw money from my account which was unauthorized. Luckily, I changed my card number. Also, do you realize that you charge 3-4 times the amount that the cars are actually worth except at the end of your terms, the customer does not get to keep the vehicle. This is preying on people with bad credit in which many businesses have had a class action lawsuit filed against them. I am going to review other cases and see how to begin the process of a class action lawsuit. 
 Complaint: [redacted]
Regards,
[redacted]

Dear [redacted],Peoples Commerce has resolved the complaint filed by [redacted]. My assistant manager Steven R[redacted] Reached out to [redacted] assured him he would receive no further calls. We purged [redacted]'s telephone number from our calling system. [redacted] was satisfied...

by our course of action . Feel Free to contact me with any questions.Sincerely,
Steven S.
Collections manager

October 22, 2015
We have attempted to reach the customer [redacted] in reference to...

the above complaint. We have attempted to put customer into another vehicle. We last spoke to the customer on 10/12/15. The customer stated she would be coming into our office on 10/19/15 to rectify this matter. As of today 10-22-15 the customer has not come into our office and we have been unable to reach her. I would like to get in contact with the customer in order to rectify this issue, Peoples commerce is still actively trying to reach [redacted].Sincerely,
Steven S
Collections Manager

Dear [redacted],Peoples Commerce has resolved the Complaint filed by [redacted]. We voided out her contract for the 2003 [redacted] she was not satisfied with . We have entered into a new lease agreement with Ms Reber for a 2006 [redacted]. I have enclosed attached supporting documents showing resolution on this matter. Feel Free to contact me with any questions.
Sincerely,
Steven S
Collections manager

WE WOULD LIKE TO SPEAK TO CUSTOMER FURTHER PLEASE CONTACT PEOPLES COMMERCE AT ###-###-#### EXT [redacted] REGARDING THE SERVICE ISSUES ON THIS VEHICLESINCERELY,STEVEN S[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: I have clear records and recorded conversations I have had with the GM of the conchohocken location of him admitting that the mistake was on their behalf and it was no fault of mine. As far as being over 30 days passed due a debit was taken out of my bank account two weeks and paid to the company. 
Regards,
[redacted]

Sorry for the late response. The customer picked up their vehicle from our service center the same day that we received this complaint.The customer has not contact us with any problems since picking up the vehicle.

The customer had a lease contract that states after the last payment, that she must either make the final payment(residual) immediately, sign a six month extension, or return the vehicle since the lease is up. If the customer still has the vehicle they are expected to continue to pay. She was...

made aware of this fact but expected to not have to pay and wanted a free extension. Again, her contract stated that that shemust choose one of the above 3 mentioned options. As for her unauthorized payment.

Issue resolved! Complainants' credit card was permanently removed from her sister's account and a credit in the amount of 627. 35 was returned to her [redacted] on 8/17/2016.

I dont agree with the form because my card was never on file. When I made a payment the prior week and when I tried to pay I asked them was the card I use before on thier and they no so im not understanding how they can charge a card thats not on file. I been getting mulitple calls to pay but on 5/11/2017 I didnt get a call because they charge me without any authrizatiin
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I have not heard from them and I  had my cell phone number changed which I hope will keep them from calling me.. I am also going to get on the Do Not Call List.  Thanks for helping me out.

March 26,2017[redacted],This is in response to a complaint submitted by [redacted]. As a threshold matter. I am the individual who spoke with [redacted]. My name is Stephanie P[redacted] and I am the attorney...

for Peoples Commerce. I am not a sales person and did not lease [redacted] her vehicle. In fact, the company does not sell vehicles as a matter of course. Peoples Commerce is a leasing company. The company leased a vehicle to [redacted] and that is the basis of her complaint.I have looked into this matter at [redacted]s request. As [redacted] is aware from our numerous conversations and other correspondence, I did locate her account. She is further aware, that I have sent a copy of her lease, including a photo identification matching her passport to her attention for her review, in hopes that we could resolve this matter without further effort on her part.I note, that in addition to a signed lease, with identification, [redacted] took out insurance and has a license to drive, all with her current address as she has most recently provided to me. This means, that from the time of the lease to the present, all information, insurance documents, delinquency notices, renewals etc. were sent to the address where [redacted] says she lives and which address was previously verified as well as verified by me within days of her complaint in February of 2017. It appears that I have been copied on an identity theft affidavit. Instead of alerting us to any alleged fraud, [redacted] complained about collection calls, even though we allowed her to make payment plans and take deferments without paying late fees during her lease.With her latest complaint, within three days of her correspondence dated February 17, 2017,1 was in communication with [redacted]. Since that time, I have been diligent with regard to determining the status of this matter. I personally undertook an investigation of her allegations, which included an interview with her on the telephone, a review of her account, a review of her contract and her prior complaints. I requested a copy of the police report relating to her allegation of theft, a photo ID with a her signature and any other documents which she thinks might corroborate her assertions. None of these items were forth coming and in spite of my representations that we take this seriously and that she could communicate directly with me by telephone, in person and by email, she declined to provide any of the documentation requested and to which we are entitled. She did provide a copy of her passport which confirmed the information we had in the file.We were able to conclude as follows:•[redacted] did not produce a report, call in to the company regarding fraud nor provideany documentation contemporary with this contract where she alleges fraud.•Our request for a police report was ignored in spite of the fact that I explained to[redacted], that this company and others may conclude that if the complainant went to the police near the time of the fraud that can be sufficient to establish identity theft. This is to help consumers in a very difficult situation. It is helpful in that many individuals are aware that there can be criminal and/or civil penalties for filing a false police report and so reporting an incident that did not happen would be quite a risk.•Since she signed the lease, she has gotten mail, information and documents as a result of this transaction. We have reported her to the credit reporting agencies and up until recently there were no allegations of fraud even though [redacted] was well aware of how to complain about the company since she did so prior to this issue. In fact, while under contract with us she filed a complaint. This complaint does not allege fraud but instead complains about our collection calls.Rather than making a phone call or inquiry regarding this transaction, [redacted] paid on the car on numerous occasions, had payment plans and deferrals all the while living at the address she lives at today. [redacted] never asserted any allegations of identity theft or fraud. In spite of the overwhelming evidence that there is no fraud in this matter as it relates to making this contract, I have expressed a willingness to listen and receive any information which might tend to corroborate [redacted]'s position. Please do not hesitate to reach out to me for information or if you have any questions.Best Regards, Stephanie P. Esq.Peoples Commerce, General Counsel

We closed this account as paid as satisfied on 3-7-16. We did not report any negative mark on customers credit.  The customer was released from the contract

IN THE COMPLAINT REFERENCING [redacted]..OUR COMPANY OFFERED TO REPAIR ANY ISSUES WITH THE VEHICLE....WE ALSO OFFERED TO PUT THE CUSTOMER INTO ANOTHER VEHICLE...MY OFFICE MADE CONTACT WITH THE CUSTOMER ON 2-29-16.....SHE DID NOT WANT THE VEHICLE REPAIRED....NOR DID SHE WANT TO BE PUT INTO...

ANOTHER VEHICLE...MY OFFICE IS STILL WILLING TO PLACE THE CUSTOMER INTO ANOTHER VEHICLE IN PLACE OF CLOSING THE ACCOUNT AS A VOLUNTARY REPOSSESSION....I WOULD BE HAPPY TO SPEAK TO THE CUSTOMER AT ###-###-#### EXT 140 
SINCERELY,
STEVEN S[redacted]

Dear [redacted],Peoples Commerce has resolved the Complaint filed by [redacted]. We voided out her contract for the 2003 [redacted] she was not satisfied with . We have entered into a new lease agreement with Ms Reber for a 2006 [redacted]. I have enclosed attached supporting documents showing resolution on this matter. Feel Free to contact me with any questions.Sincerely,Steven SCollections manager

I have attached a copy of our early termination terms that is part of our contracts. The terms are item #13.

[redacted]s vehicle was repossessed for non payment. We were not notified the vehicle was not safe. I personally spoke to [redacted] and she was given the opportunity to get her personal belongings out of the vehicle. Her husband also has a vehicle leased thru peoples commerce and was also...

delinquent on his account and was out for repossession.
sincerely,
steven s[redacted]

Looking into this customer's account I did not find any repair orders for her. A repair order is created even to diag the vehicle.I am not sure which of our two service centers she went to. As far as the repossession issues, the first time the customer was 35 days past dueon payments. The repo order...

was already sent and the customer then paid the day before the vehicle was picked up. The repo was never cancelled so that is the mistake that is mentioned.  The second repossession the customer was 34 days past due on payments. We are a leasing company and we repossess after30 day no payment. The customer is set to pay bi-weekly so that means both times she was 2 payments past due.The only issue I seen in the complaint was about the heat not working. We would be more than happy to take a look at the issue and get this resolved.

IN THE COMPLAINT REFERENCING [redacted]..OUR COMPANY OFFERED TO REPAIR ANY ISSUES WITH THE VEHICLE....WE ALSO OFFERED TO PUT THE CUSTOMER INTO ANOTHER VEHICLE...MY OFFICE MADE CONTACT WITH THE CUSTOMER ON 2-29-16.....SHE DID NOT WANT THE VEHICLE REPAIRED....NOR DID SHE WANT TO BE PUT INTO...

ANOTHER VEHICLE...MY OFFICE IS STILL WILLING TO PLACE THE CUSTOMER INTO ANOTHER VEHICLE IN PLACE OF CLOSING THE ACCOUNT AS A VOLUNTARY REPOSSESSION....I WOULD BE HAPPY TO SPEAK TO THE CUSTOMER AT ###-###-#### EXT 140 SINCERELY,STEVEN S[redacted]

October 22, 2015
To [redacted]
We have attempted to reach the customer [redacted] in reference to the above...

complaint. We have not spoken to the customer since 10-12-15, have not been able to contact the customer to rectify this matter, The contact telephone we have is no longer accepting phone calls. I would like to get in contact with the customer in order to rectify this issue, Peoples commerce is still actively trying to reach [redacted].Sincerely,Steven S.
Collections Manager