Premier Acceptance

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below I am rejecting the response from this businessThe complaint wasn't about someone else driving the vehicleThey were aware of the arrangement as I wasWhen the car was totaled American Family paid there part and Gap was suppose to cover the restI asked for detailed info regarding the gap claim and was told by Pam herself and Bruce and Connie that I was not going to be provided with that informationI know for a fact that I was told that my Gap insurance would cover what was left and when I asked to be provided with a breakdown of that they refusedThey even refused to give me info of the company that the gap was through since that info was in the vehicle and the vehicle was totaledMy credit report was given to me from Transunion and Equifax and both show repossession and they are listed as the companyThat information is and they need to correct itLooking at it today it still shows that so what they stated again was not trueBefore even filing this complaint I tried to contact them for falsely reporting that on my credit report no calls were returned but that is for this companyThey need to correct my credit report due to the fact that you cannot repossess a totaled vehicle.Regards, [redacted]

In reference to the complaint with ID *** filed 10-26-by *** ***
Ms*** is correct in stating we were aware that she was not driving the vehicle and
was allowing someone else to drive the car and make payments
That is a customer’s choice if they allow some else to drive
their carHowever, that has no
influence of who is responsible for the loanBruce and I explained this to Ms*** that no matter who has possession of the vehicle she would still be 100% responsible for the loan and keeping the
Vehicle insured
When the vehicle was wrecked the balance was in excess of $18, 567, we received the insurance check
of $12,145, gap paid $leaving approximately a $principle balanceThere had not been a payment made from April 14th until 8-which accrues additional interest ,then more payment was made and it was returned by the bank this was prior to the accident,With the continued late payments she accessed multiple late fees and an excessive amount of accrued interestGap will not pay for either of theseWe did not refuse to assistance the customer in any way, the Gap insurance was the customers insurance she purchased when she purchased the vehicleWe filed the claim only as a courtesy to assist the customer; it is the customer’s responsibility to file for the claimPremier cannot control what they payMS *** could have contacted the Gap Company (and still can, I would guess) at any time she chooses to inquire about payment and the breakdown of the amount of the claim paidI checked our records for Credit reporting and it is showing as an “Unpaid balance reported as a loss” which is correctIt does not show as repossessionIn December after all monies was posted to the account the customer knew there was a remaining balance and signed an agreement to pay the deficiency balance at a Zero% interest rate at $a month in paymentsThere was never a payment made on the account and customer would not return calls so in turn we were forced to charge off the balance on the account and pursue legally for judgementAny questions please call
Thank you
Pam ***, General Manager
Premier Acceptance
317-899-
p***@tomwood.com

In reference to the complaint with ID *** filed 10-26-by *** ***We cannot help Ms*** with her issues we have tried to guide the customer thru her unfortunate situationHowever we do not have the information she is requesting nor can we receive the details from her Gap claimShe must contact them with any questions she hasWe have tried to explain to her that it is not that we don't want to help her, we cannot help herThe only information the Gap Company sends us is a check not a breakdown of the amount paid
I am enclosing a copy of the Gap contract that she signed when she purchased the Gap coverage from the dealerShe could have contacted the dealer for any information she needed as they hold all of the documents that she signed at the time of purchaseWe did not refuse to assist the customer in any way, the Gap insurance was the customers insurance she purchased when she purchased the vehicleIt is the customer's responsibility to file for the claim; however we filed the claim as a courtesy to the customer .Premier cannot control what they payMS *** could have contacted the Gap Company (and still can, I would guess) at any time she chooses to inquire about payment and the breakdown of the amount of the claim paid
It would not be in our best interest to refuse a customer any information that would assist them in reducing their lossAs a Company we make every effort to assist our customers with any means we have availablePremier also tries to assist customers with a payment plan with a zero or reduced interest rate in lieu of Filing for judgement at an 8% interest rate (as allowed by law on judgements) and the possibility of obtaining a garnishment of wagesI have enclosed the customers signed agreement to make payments prior to the account being charged offThis account was charged off and is a total loss to our company; furthermore demonstrating why it is not advantageous to refuse assistance to our customers
Ms*** has made multiple accusations of us not returning her calls and refusing to assist her
We have left in excess of calls and text since the vehicle was totaled with few returned calls(Documentation attached) We have given her information to investigate her issues, nowhere does it mention she followed up with the dealership for needed paper work or contacted the Gap administrator requesting the detailed information she is stating we have refusedHer gap policy she signed clearly states "The gap addendum may not cover the entire amount owing at the time of the loss" furthermore"Questions about the program features contact the Gap administrator at the given number and address
I reviewed our records again of the information sent to the Credit reporting agencies and it is showing as an "Unpaid balance reported as a loss" which is correctIt does not show as repossessionI am also attaching a copyAny further questions please call
Thank you
Pam ***, General Manager
Premier Acceptance
317-899-
p***@tomwood.com

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am rejecting the response from this business. The complaint wasn't about someone else driving the vehicle. They were aware of the arrangement as I was. When the car was totaled American Family paid there part and Gap was suppose to cover the rest. I asked for detailed info regarding the gap claim and was told by Pam herself and Bruce and Connie that I was not going to be provided with that information. I know for a fact that I was told that my Gap insurance would cover what was left and when I asked to be provided with a breakdown of that they refused. They even refused to give me info of the company that the gap was through since that info was in the vehicle and the vehicle was totaled. My credit report was given to me from Transunion and Equifax and both show repossession and they are listed as the company. That information is false and they need to correct it. Looking at it today it still shows that so what they stated again was not true. Before even filing this complaint I tried to contact them for falsely reporting that on my credit report no calls were returned but that is normal for this company. They need to correct my credit report due to the fact that you cannot repossess a totaled vehicle.Regards,[redacted]

Hello Ms. [redacted],   I will address each issue as you outlined them in your statement. Unfortunately, I do not have the text records that were sent on behalf of Premier Jl, acceptance. However, we do have the text we received f rorn you. I can guarantee there was more respect given from our side...

than yours. A problern with communication via text messaging is interpretation of the text. We greatly apologize for the misunderstanding. I would include the text messages we received from you, but they are very vulgar and inappropriate to be displayed to the public. There is no misinterpretation when language of that nature is used. We acknowledge your request to not receivE! communication via text message. That has been noted on your account. You will not be contact via text message, unless it is a last resort for communication.   In respects to recovering your vehicle, we ha\'e the right to repossess our_ collateral the day your payment becomes late per Indiana law. So as the law states, we could recover our collateral if your payments were 2 weeks past due. I apologize for your inconvenience to process a payment. You have been a customer of ours for roughly four year. Throughout this time we have never accepted Discover. Thisinstance was not your first time of being notified. This would explain your substantial number of payments made by a Visa or Master Card. That being said for your convenience of future payments, we are working on allowing Discover payments with our payment processor.   If you would not like to work with Yvette, you are welcome to contact the Office Manager. Please contact our main line and ask for Trey. He would be happy to help you with your account. Again, I apologize for the misunderstanding and thank you for your business.   Thank you   Premie!r Acceptance