Radio Shack

Complaint: [redacted]
I am rejecting this response because:Due to the fact that my Social Security number was allocated to a loan from Thrift.  I have asked numerous time for a copy of the loan documents proving the loan was cancelled and or paid off in full.  At this time, I ask again for these papers since it is against the law to NOT furnish me a copy of these documents.Please send copies to my home address you have on file or scan and email them to me. [redacted]
Regards,
T[redacted]

Our company has done everything we can to advise this customer in following steps they need to take in order to rectify their account that is currently in default of their contract. We attempted to contact this customer on various occasions and left multiple messages before the car was repossessed. We only successfully spoke with this customer once. At that time, they told our company that the vehicle was in a towing shop, and that it has not been running properly since she purchased it. Our company repossessed the vehicle the same night this conversation occurred, and the vehicle was not in a towing shop. At this time the customer could not provide proof of insurance, and their account was not up to date. As we stated in the previous response, our company is not responsible for repairs. To our knowledge, based on prior conversations with the customer, the vehicle had many mechanical issues at the time of purchase.

Complaint: [redacted]
I am rejecting this response because:
the company contacted my wife first started yelling at her when she tried to answer the question after 1 min of yelling she hung up , then called me , when I tried to tell this gentleman what the deal was he started yelling at me so I hung up!! I will not be yelled at on my own phone by anyone Then he called her phone 3 more times and she refused to answer,, This is a very rude company  they do not know how to speak to clients and the Dealer we traded the car into said the person she spoke to was rude as well when trying to get it corrected, we will not let them get away with treating clients in this maner..
Regards,
[redacted]

Mr [redacted] received the check after it was returned to us by the United States Postal Service.  Mr. [redacted] furnished us with the wrong address and claimed the post office lost the mail.  We asked Mr [redacted] to wait until we received the mail back from the post office and we will send it to the new address that he furnished us.  A few days later, we received the item back, contacted Mr [redacted] and sent him his check.  We are considering this file closed and resolved.Tell us why here...

We invited you into our office and Bruce never said that you didn't matter all he was saying is that you do not have a loan with us your bankruptcy got discharged. It is under bankruptcy code that we do not call you while the case is still open. We tried to explain to Ms. [redacted] that her attorney was supposed to go over all of this with her which she admitted he didn't. No one from our office said anything about insurance being the reason for her repossession the second time around. She defaulted her contract and failed to keep up with lien payments, as her attorney should have advised her to do since they did not reaffirm the asset. Bruce and I tried to have a casual conversation with her to explain the reasoning for everything and she immediately became defensive saying why does it matter whether she was bankrupt or not. Upon trying to further explain she kept reiterating "just give me the [redacted] title so I can leave" causing us to be taken aback. She refused to have a conversation about the situation so we can explain the federal bankruptcy code to her but, again, all she wanted was "her [redacted] title"

Thrift Investment Corporation responded accordingly to the consumer’s complaint. On 3/15/16 our company adjusted her account, and correctly reported it as up to date. On 3/18/16 we received a copy of the consumer’s money order receipts that she faxed and overnighted to us. We reviewed these...

receipts and matched them to her payment history accordingly. The consumer’s complaints were all handled in a timely matter, and the express package she overnighted was received by our office on 3/23/16. If she has any other questions or concerns she can feel free to contact me, [redacted] at [redacted].

As stated in previous replies, we have notified her by both mail and phone after the car was repossessed due to the account going into default for non-payment. Furthermore, she confirmed this notice when she called inquiring about her vehicle. Although we have responded to [redacted]’s requests already and complied with all out of state statute regarding notice of sale, we will send out an additional copy of her account information to the address we have on file. ([redacted]) If she is still unsatisfied she can feel free to contact our office ([redacted]) and we will be more than happy to send her the documents via mail, email, fax, or any other reasonable form of communication.

Our company mailed this customer a Notice of Sale document and Repo Location letter on 12/05/16, which includes all the information they are requesting. These documents were sent regular and certified mail to the address we have on file on the same day that their vehicle was repossessed.

[redacted] is a supervisor in charge of your account. There was a default in your contract so we were giving you a courtesy call and Terri escalated things and spoke vulgarities at [redacted]. There has been a long history of assistance on this account and there is a management lock on this account as it is...

under investigation by our management. You made the payment and are only due for your 10/30/2015 payment

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

This account is a discharged bankruptcy. The last time you're attorney got involved was because you were bankrupt and he screwed up to begin with. If you have any questions about the discharged bankruptcy please contact our office. As far as we are concerned you do not have a loan with us due...

to the bankruptcy, only the co-maker on the loan is truly responsible for the lien payment upkeep

[redacted] is in violation of the terms of the contract.  This is not the first time the vehicle, a 2008 HONDA CR-V, was repossessed (10/27/17), and we worked with her last time to redeem it.  No payment was made after the redemption.  We sent letters, made phone calls, and sent...

text messages to them both.  No phone calls or responses were made from [redacted] or the cosigner, [redacted], to Thrift Investment until after the vehicle was repossessed the second time on 12/27/17.  We were never notified of any hardships present at any moment- ([redacted] losing her job and the passing of her sister).  Once again, we will work with [redacted] to redeem the vehicle.  Please contact Michelle at ###-###-####.

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Thrift Investment Corporation has done everything this consumer has requested as we stated previously. Our company changed her due date to the 28th, as she requested. The payment records [redacted] overnighted were picked up on the same day they were delivered to the post office, and her account was updated accordingly. The man she is referring to as Eric Gallant, does not work in our office and is employed at the Post Office, which is why no one here has any knowledge of him. Our company is available to answer any questions or concerns customers may have Monday-Friday from 9:00 A.M.-6:00 P.M. Our company will waive the consumer’s March 28th, 2016 late fee charge, as soon as the payment is made. At this time, our company cannot state that all of the consumer’s payments are up to date, because she is in default for her March 2016 payment. If she has any questions or concerns she can feel free to contact me, [redacted] at [redacted]

Complaint: [redacted]
I am rejecting this response because:
From the beginning stages Thirft was 100% aggressive, poor customer service, and negligent to all the following...Name calling, hanging up phone calls, never answering the questions I KINDLY asked, transferring me from one person to another person to get hung up all the time from angry man named B[redacted] who is the president of the company. Furthermore, being that My social security number was attached to a auto loan, I am by all legal rights allowed to request and receive the following statements, payoffs, and paperwork to show if my loan is still actively open or closed.  This is not an issue with the credit bureaus, however if Thirft wants me to, I will mail to the 3 bureaus all phone call recordings of all their staff name calling me, threatening me, and calling me a [redacted]!!  In addition, I have GoGel Auto Sales Manager who was also privy to the name calling, racist callings, and hanging up calls.  So it is not just myself who has proof of this major issue.  Its amazing a bank or private lender, whatever they call themselves is so hostile, racist, and commits threats against their customers.  PLEASE SEND ME AND OR GOGEL AUTO SALES MY LOAN THAT DISCLOSES IT IS CANCELLED OR PAID OFF, OR I WILL BE FORCED TO FILE SEVERAL ACCOUNTS AGAINST B[redacted] AND THIS COMPANY.
Regards,
T[redacted]

This is a lie. At time of repo you said it was reposed for lack of insurance coverage is false. Today I came to your office at approximately 11 am paid in full the balance of the vehicle to prevent any further interaction with your company. The president of the company Bruce [redacted], came to the front told me I did not matter nor does he care and he did what he had to do. He was rude, arrogant and unprofessional. You took the car under false pretenses. Stated I filed bankruptcy, and that means what???? Under bankruptcy law you had to be included. Although I filed bankruptcy I still attempted to make payments and I was told I could not until the discharge. The day of the discharge, unknown to me because I received notice as to the exact minute. As the bankruptcy was dismissed the next day you reposed the car and forced all back payments back in May this year. Tuesday you took it again, told me it was for no insurance coverage, which was a lie. Today you took the full balance for the car and never asked me if the car was covered or not. What you did was illegal, and dishonest. You took the car under false pretenses to recoup the rest of the balance. Just be honest. As a president of a company and call me into an office and yell at me in front of your employees and make me feel bad cause I filed bankruptcy is also illegal. I am a professional and not a street person and I have rights. What you did was wrong and I am going to make sure that the public know about your illegal and unpractical practices. You harrassed me in the presence of your staff today to the point I felt I needed to call the police. These are not fair and legal practices. I want your entire business practices throughly investigated and all your business practices investigated. There is something really wrong and illegal at your office.

Please read and follow your contract as you were in arrears and we have every right to pick up the vehicle when you are delinquent or without full coverage insurance. We do appreciate the payment being made yesterday, though. We now have made a note in your account to no longer call you...

about your delinquency

Revdex.com
I sympathize with Mrs. [redacted]’s frustrations about her chair. When she originally purchased the recliner, she had our [redacted], who is
one of the most knowledgeable about products and warranty that we have here at Al’s Furniture. He knows, as do all of our sales staff, that the
BEST...

Home Furnishings recliner that she purchased was and is highly superior to the Lane recliner. This is why the salesman directed Mr. &
Mrs. [redacted] to the Best recliner, instead of the Lane recliner and especially since the salesman did meet Mr. [redacted], he knew it would be the
best chair for Mr. [redacted].
From what our records show, they purchased the recliner in February of 2015 and then in October of 2015 the mechanism broke. We gladly
ordered the part and replaced at no charge. Then in February of 2016, the mech broke again, and once again we came out and replaced and fixed
the recliner at no charge. Now, from what I understand the mechanism has broke again and the cushion core needs to be replaced. I am VERY
willing to fix the recliner according to our policies and procedures. The cost of the cushion core and labor fee to replace is $115, the mechanism
is still under warranty, and will be no charge. I feel that Mr. [redacted] could be well over the weight limit for this chair. However, Al’s Furniture
will stand behind all of our manufacturer’s warranties.
We have a great staff here at Al’s, who are trained to sell the best product for each individual situation. I feel that our staff did the best job for
what the situation was.
Thank you,
[redacted] [redacted]

To whom it may concern:The last payment IFC received on Mr. [redacted]s account was made on March 24, 2016. We have not received any payments since that date, as all of his ACH transactions have been returned for insufficient funds. Therefore, his vehicle was repossessed for non-payment. If Mr....

[redacted] believes this was in error I would encourage him to contact his financial institution to see why these ACH's were returned, and correct the issue(s).Additionally, IFC would like to work with Mr. [redacted] to put him back into his vehicle. We have reached out to him at the contact numbers he provided in his Complaint but have thus far been unable to reach him. I would ask Mr. [redacted] to please call us at 800-555-6681 to see if we can reach a mutual resolution that works for both parties. Sincerely, Robert B[redacted]

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 want them to deliver my vehicle back to me, and make arrangements to pay the normal payment of 176 every 2 weeks once my vehicle is redelivered. I also want the front end fixed that was refused to be done by oak motors. The money WAS taken out of my account, even though they said it wasnt. They are liars, and just trying to come up with excuses. They have never called me. I feel repossessing  before contacting me about a proplem, is very unprofessional. I seen the repossesor, but he didn't even have the guts to talk to me. I will keep this complaint open, until I feel they are working with me. I received a letter saying my vehicle was going to a auction in Plainfield,Indiana, so how am I going to get my vehicle back. 11000 dollars will not be the sell price, as I used to sell cars. It will probably on sell for 3000 , so they will not get what they are charging me for the vehicle. Put me in something else of my choosing, and same payments then I will be happy. Or just deliver my car back to me, and we can work out the mistake of payments there system deducted from my checking account. [redacted]. Leave a message, and I WILL call you back,when I'm not working. Also don't try to charge me more for repossession fees and such, because your system messed up. 
Regards,
[redacted]