People's Finance Company

During the term of the lease Herbies Auto Sales refinanced the customer in an attempt to help the customer with payments.  The customer's account manager did offer to help in lowering the payments for a period of time to assist the customer.  The customer informed their account manager...

that even with lowered payments, they would not be able to sustain the payments over the course of the term.  In the end, the customer voluntarily surrendered the vehicle and informed us that they will be filing bankruptcy.  A copy of the lease was provided to the customer, and another one can be provided upon request.

Revdex.com:
I have reviewed...

the response made by the business, and find that this resolution is satisfactory to me.  Jackie has been great to work with on this part. I do appreciate that they have taken this responsibility and paid for this. Thank you again. 
Regards,
[redacted]

Customer has recently paid off the vehicle.  Our bank manager was able to reduce the payoff amount to allow the payoff to work for the customer.  Herbies currently has the vehicle.

Revdex.com:Yes the manager christy was awesome and even though we paid 2k and returned the...

truck. Just waiting for this to be off my credit which is still not paid and closed thank you.
I have reviewed the response made by the business, and find that this resolution is satisfactory to me.
Regards,
[redacted]

On November 17th [redacted] contacted his account manager and informed her that her that he was unable to plate his vehicle due to a salvaged title.  Him and his wife were needed to drive to Iowa for a family member's funeral.  They needed a temporary tag as their previous one...

was expired.  [redacted] made arrangements with the Sales Manager at Herbies Auto Sales to pick up an additional temporary tag in order to make a trip to Iowa for the funeral.  They had arranged for [redacted] to stop by the dealership at 2pm the day they were heading to the funeral.  Per the Sales Manager, [redacted] did not show up until 3pm and was given the temporary tag.  At this point, the Sales Manager was aware of the salvaged title and informed the customer that they would take care of the issue upon their return from Iowa.  On November 22, 2016 I was informed of this issue and the customer's concern.  When the issue reached my desk the customer was not wanting to return the vehicle and get another one but was rather wanting us to pick up and compensate them.  After a series emails trying to find the best solution, we decided that we would give them the amount they had paid in payments, $1,292.05, and they would return the vehicle on December 15, 2016.  They requested to return the vehicle on Monday, December 19th, 2016, which we agreed would work for us.  I asked them to take it to the shop to have warranty items fixed to ensure the safety of their trip back to Colorado and to ensure the vehicle is able to be returned. On Monday, December 19th, 2016 the customer said they would arrive in the morning with the vehicle.  Instead the customer called informing us that the vehicle had stalled out and would not be able to make the trip.  The Sales Manager received some unpleasant calls from the customer on Monday as they were unable to comply with the plan.  The customer contacted me and let me know what was going on.  As I looked into the situation, contacting our warranty company, I found out that they had not had any warranty work done.  As they terms stood, the car being returned on the said date, not following through to get the vehicle properly ready to return to Colorado, the customer's attitude towards us, and their delinquency record, we decided to repossess the vehicle and not compensate the customer any amount.  The documents below include the letters I sent them in the negotiation process, the contract, items to build the deal, copies of 2 clean titles, RTC, and other documents that will support the account above.  I will also forward all of my contact with the customers over the last few months so you can see the full picture.

At the customer's request, we are willing to change the payment plan to monthly instead of bi-weekly.  The Bank Manager went over this with the customer on the phone on Friday, May 20th and this change can be made as soon as possible.  The customer can call her account manager and have her payment plan adjusted.

[redacted]I finally was able to get Herbies Auto to admit fault, and have agreed to do the repairs. I am e-mailing you to let you know that the issue has been...

resolved. Thank You for being involved and for giving the consumer the chance to get help with issues!

Complaint: [redacted]
I am rejecting this response because: Once again, if the company would read what I wrote the last few times. You guys are trying to get over $100.00 in late fees for a payment I made in October. Remember that conversation. Yes I made a normal two payments but I was suppose to make 3 payments. So you guys are charging me and will continue to charge me. Thanks for the HUGE favor of changing my payments from bi weekly to monthly but unfortunately your crummy company has already caused so much stress in my life. That doesn't do anything for me. Maybe you should look at all the horrible facebook reviews, or the lawsuits you have received. You have horrible customer service. On top of the recurring late fees 15 days after I got the car the transmission went out so I had to be without a car for a week and a half, pay a 100.00 gap deductible, a 250.00 rental and was told that month of payments was waived but no, I am now finding out my vehicle was refinanced and the payment was pushed to the end of the term. Your company can't do anything except put me in debt. I will just continue making my payments monthly until I can find a dealership that will buy it from me and I can be away from such a horrible company. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I am more then willing to print a copy of my phone log showing they never called me three times like they claimed which I emailed them about. After I confronted them about the false "we called you and left voicemails numous times" bit I got a call which I was working and called them back a couple hours later. She asked about my Revdex.com complaint which was a little uncomfortable to have to her why I think her employees and company is horrible because I told her before and got nowhere which is why I made the Revdex.com complaint. I make two payments every single month. Like normal car dealerships they request two payments. They give you a set amount and you pay that set amount every single month. Not Herbies, it's a different amount three times a year. Because my husband gets paid three pay checks three times a year, I'm suppose to look at the calendar and find all of those. It's confusing and inconvient. So way back in what October I made my two payments for the month like I ALWAYS do but I was suppose to actually make 3 203.00 payments that month but didn't know. So I kept going about my business paying my 2 payments a month. Now they call me and treat me like a POS claiming I missed a payment and now they added over 100.00 in late fees. Because why? This greedy company didn't get their third payment one month. Here's another issue, 15 days after I got the truck the transmission went out. So I had to pay 100.00 deductible, $250.00 rental and out of a vehicle for a week, and a a tow bill. I called Herbies because I couldn't afford all that plus the truck payment 15 days after getting it. She said oh we will waive that payment to compensate for all the fees. Great thanks. Well yesterday I found out no they didn't waive that fee they refinanced the truck 15 days after we got it and added that payment at the end. So 15 days after getting the truck it cost us 
553.00. The truck has a HUGE dent that they refused to fix, customer service sucks, paid 3 times more then blue book, and now they are trying to get over 100.00 in late fees because of what again????? That third payment for one month. My bi weekly payments according to their system is 203.00 x 2 comes to 405.00 and that month where my husband gets paid three checks we would have to pay 609. No wonder why they keep getting sued. Christian company???? Ya keep stealing hard working families money. Normal big companies don't say hey you get more checks this month so we want more money. They keep it simple. One amount every month. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: They never offered to refinance the vehicle. They said they can lower the payments for a short period of time. They never reached out to me after several emails and phone calls for assistance. I did return the vehicle due to the lack of assistance I received from Herbies, and my bankruptcy is directly caused by this company.
Regards,
[redacted]

Since the submission of the customer's complaint we received 2 payments, on May 16th and 18th, and waiting for another partial payment.  Herbies Bank Manager called the customer 3 times with no response, answer nor call back.  Finally, after an email was sent to the customer contact was...

made and the following day the Bank Manager was able to connect with the customer over the phone to clarify the customer's confusion and misunderstanding of bi-weekly payments versus monthly payments.  The conversation also clarified the accrual of late fees on the account when payments are past due.  At the conclusion of the call, the customer and Bank Manager seemed to have come to an understanding and ended on a clear note. Today I received the following message from the customer: Theirs nothing any one of your guys can do to fix my problem now become a better company. I would however not like to be contacted from anyone from Herbies. I will update my complaint.I will not be responding to this email per the request of the customer of no contact from Herbies.  Attached is the email correspondence between Herbies and the customer.

After talking to her, we understand that she was disappoint in her vehicle at first.  She only qualified for a certain vehicle through our program.  When she came back to us she told us she is in a better financial position and is able to put down $3,000 on a vehicle and she will be in on...

Saturday, Feb. 18 at 2:30pm to discuss getting her into a different and more desirable vehicle.  She is willing to work with us and we are doing what we can to work with her.  Attached above is the file we have on [redacted] and the conversations and records we have about her account.