ON MARCH 20, MR [redacted] PURCHASED ONE [redacted] WHEREBY HE ENTERED INTO A RETAIL INSTALLMENT CONTRACT WITH SECURITY AGREEMENT TO FINANCE SAID VEHICLE HIS PAYMENT TERMS WERE $PER WEEK AND SAID PAYMENTS WERE MADE THROUGH 6/20/AFTER WHICH TIME MR [redacted] ’S PAYMENTS BECAME DELINQUENT AND IN DEFAULTON JULY 9, I HAD A DISCUSSION WITH HIM REGARDING THE POTENTIAL THAT HIS VEHICLE MAY BE REPOSSESSED, REGARDING THE FACT THAT HE HAD BEEN FIRED FROM HIS PREVIOUS EMPLOYER, AND REGARDING HOW HE WOULD HANDLE HIS LOAN OBLIGATIONS GOING FORWARD IN LIGHT OF THAT DEVELOPMENT IT WAS AGREED HE WOULD BE AFFORED THE OPPORTUNITY TO RECTIFY HIS LOAN DEFAULT, HIM HAVING EXPLAINED THAT HE HAD SOME CASH WORK HE WAS DOING THAT WEEKEND AS WELL AS A TEMPORARY JOB IN ERIE PA OVER THE NEXT FEW DAYS, AND THAT HE HAD BEEN HIRED AT ANOTHER PERMANENT EMPLOYER AT WHICH HE WOULD BE STARTING THEREAFTER AT THIS TIME MR [redacted] MADE PROMISES TO MAKE PAYMENT ON JULY 14TH (SPECIFICALLY TO PAY HIS OVERDUE REGISTRATION FEE AS HE WAS AT PRESENT DRIVING THE VEHICLE ON AN EXPIRED TEMP) AND HE FAILED TO DO SO; ADDITIONALLY HE PROMISED TO MAKE PAYMENT OF $ON JULY 16TH AND FAILED TO DO SO; FURTHER, HE PROMISED AS OF JULY 21ST HE WOULD MAKE ACCEPTABLE ARRANGEMENTS, BASED ON HIS AFOREMENTIONED NEW EMPLOYMENT, TO ADDRESS BOTH HIS LOAN PAYMENTS IN DEFAULT AS WELL AS HIS DEPOSIT PROMISSORY NOTE WHICH HAS BEEN IN DEFAULT SINCE APRIL 10TH, AND AGAIN FAILED TO DO SO HAVING FAILED TO MAKE PAYMENTS AS AGREED AND HAVING FAILED TO INFORM US OF ACCEPTABLE ALTERNATIVE ARANGEMENTS, OR FOR THAT MATTER FORMALLY COMMUNICATE WITH THE APPROPRIATE LOAN DEPARTMENT AT ALL, THE COLLATERAL, ONE [redacted] , WAS REPOSSESSED ON JULY 23, AT THIS TIME ALL THE APPROPRIATE PAPERWORK WAS FILED WITH THE APPROPRIATE AUTHORITIES AND MR [redacted] WAS NOTIFIED AS REQUIRED BY CERTIFIED MAIL; AS TO ALL THE REPOSSESSION DETAILS, AMOUNTS DUE AND REQUIRED TO REDEEM WHICH WAS $1145.62, THE TIME FRAME ALLOTTED BY LAW, AND THE CONSEQUENSES FOR FAILURE TO DO SOAT THE TIME THE VEHICLE WAS REPOSSESSED THERE WAS DIRECT CONTACT BY THE AGENT WITH MR [redacted] AND HE WAS INDEED INFORMED THAT HE WOULD NEED TO CONTACT ME WITH PAYMENT ARRANGEMENTS AND THAT I WOULD WORK WITH TO FACILITATE REDEMPTION IF POSSIBLE I DID NOT HEAR FROM MR [redacted] UNTIL AUGUST 18TH, WHICH WAS AFTER HE HAD BEEN NOTIFIED THAT THE COLLATERAL WOULD BE LIQUIDATED AS OF AUGUST 20THMY ASSISTANT [redacted] DID RECEIVE HIS CALL INFORMING ME AT WHICH TIME I WAS TIED UP INDEFINATELY ON ANOTHER CALLI BRIEFLY INSTRUCTED HER TO TELL MR [redacted] THAT AT LEAST PARTIAL PAYMENT WOULD HAVE TO BE MADE PRIOR TO LIQUIDATION IN ORDER TO CONTINUE TO HOLD THE CAR IN REPOSSESSION AND DELAY THE SALEI RETURNED TO MY CALL HOWEVER STILL WITHIN EARSHOT, I LISTENED TO MY ASSISTANT TELL MR [redacted] “EXACTLY” WHAT I TOLD HER TO TELL HIM MR [redacted] DID NOT MAKE PAYMENT AS INSTRUCTED AND CONSEQUENTLY THE COLLATERAL WAS LIQUIDATED AS SCHEDULEDAS REFERRED TO IN HIS COMPLAINT, HE WAS SUBSEQUENTLY NOTIFIED OF THE DEFAULT DEFICIENCY LOAN BALANCE NOW DUE AND OWING AND HIS LEGAL OBLIGATIONS THEREIN MR [redacted] CONTACTED ME ON AUGUST 25TH TO MAKE A VARIETY OF INSINUATIONS, ACCUSATIONS, INSULTS, AND DEMANDS AS TO HIS DISPLEASURE IN HAVING BEEN NOTIFIED ABOUT HIS AFOREMENTIONED DEFICIENCY NOTICE OBLIGATIONI EXPLAINED TO MR [redacted] THE FACTS, OUR LEGAL OBLIGATIONS AND PROCEEDURES WHICH HAVE BEEN PROPERLY EXECUTED AND FULFILLED AND THAT THE NOTICE IS CORRECT AND FUTHER THAT HIS FAILURE TO TAKE THIS OPPORTUNITY TO MAKE ACCEPTABLE ARRANGEMENTS TO SATISFY THE DEBT WILL RESULT IN LEGAL ACTIONS AGAINST HIM FOR THE SAMEIN RESPONSE TO THIS MR [redacted] DID BECOME RATHER OFFENSIVE AND IN REPLY TO ONE PORTION OF HIS INAPPOPROPRIATE AND INACCURATE STATEMENTS, I DID INDEED TELL HIM, “NO IF ANYONE, ONLY HE HAS BEEN DISHONEST AND HAS MISINFORMED AS TO HOW THIS MATTER HAS BEEN HANDLED, AND THAT IT’S ONLY HIS ACTIONS OR LACK THEREOF THAT HAS RESULTED IN HIS PRESENT DILLEMMA” MR [redacted] PROCEEDED TO INFORM ME THAT WE’LL SEE, THAT WE’LL FIGHT IN COURT, AND ENDED THE CALLIT WAS A SHORT TIME LATER AS WELL AS THE NEXT DAY THAT OTHER EMPLOYEES OF MY ORGANIZATION RECEIVED MESSAGES FROM MR [redacted] ON THEIR PHONES THAT CONTAINED VEILED HARRASSMENT, INSULTS, AND VULGARITY AT THIS TIME PURSUANT TO COURSE OF BUSINESS, THIS MATTER IS BEING FORWARED TO OUR COUNSEL FOR CIVIL ACTION VS MR [redacted] AND A CEASE AND DESIST REQUEST IS BEING ISSUED TO HIM REGARDING THE PERSONAL HARRASEMENT OF ANY OF OUR STAFF IN CONCLUSION; MR [redacted] , HAVING DEFAULTED ON HIS CONTRACTUAL OBLIGATIONS, AND AUTO CREDIT HAVING FULFILLED IT’S LEGAL OBLIGATIONS IN RESPONSE THERETO, HAS NO CAUSE OF ACTION OR MERITORIOUS DEFENSE REGARDING SAID DEFAULTHE IS NOT ENTITLED TO A REPLACEMENT VEHICLE NOR REINSTATEMENT OF THE CONTRACT THAT WOULD BE NECESSARY THEREWITH, NOR IS HE ENTITLED TO FORGIVENESS OR OTHER RELIEF FROM HIS DEBT NOW OWING AND NONE IS THEREFORE ACKNOWLEDGED NOR OFFERED SINCERELY, [redacted] CREDIT MANAGER & LOAN LOSS OFFICER AUTO CREDIT
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below March, 27, Revdex.com This letter is in response to your reply on February 13, 2014, regarding my complaint against Shults Auto Group in Olean, NYI sent you a copy of the original letter sent to Shults on 2/12/in hopes that it would prompt Shults to correct the situation with the financing arrangements they imposed when I purchased a car there in January, I have repeatedly called and asked them to provide documentation that they have removed the $extended warranty, automatic debit fee, GAP insurance and associated sales tax on those charges from the car loan I have financed through [redacted] ***I also requested that the term of my loan be changed from months to months, with a lower interest rate if applicable, and appropriate monthly paymentTo date I have not received corrected loan documents verifying those changes to my loanTo resolve the issue I am requesting the Revdex.com act on my behalf to obtain: 1) Corrected bill of sale and loan documents that reflect the price of the car $10,500, registration and fees, sales tax and a credit of my $4,down payment 2) A loan repayment term of months with applicable insurance rate for that term Thank you in advance for your assistance in this matter Sincerely, [redacted] Regards, [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. [redacted] made this matter personal, due to my previous employer he mentions as being part of the Shults Auto Group. When I was let go from my position at Shults Auto Group, [redacted] treated this matter personally rather than in a professional manner. I never received a liquidation notice as he had mentioned or any other communications regarding the liquidation of my vehicle. I did report to the credit department on numerous occasions that I indeed did have a full time job starting August 11th. On that very day, I called the credit department and spoke to [redacted] . I told her my intentions were to clear the full past due balance as soon as I received my first paycheck dated August 22nd. She placed me on hold and I assume this is when she was speaking with ***. She came back on the line and said that I need to make a payment as soon as possible. There was never a discussion or mention of the liquidation. I repeated myself that I would be making the full balance payment on August 22nd and she said "Okay". So to my knowledge, that was the acceptance of the payment arrangement. Then I received a letter on August 20th that my vehicle had been liquidated. The next morning, I did call [redacted] in regards to the letter. He continued to be very insulting and rude, saying that I do not "deserve any favors" after the way I was released from employment with Shults Auto Group. He kept trying to involve the matter with my being fired from Shults Auto Group and had no real answer as to why I had been told the whole time I would be okay as long as my payment was made ASAP. I tried several times to ask him why it was liquidated after my conversations with [redacted] and other members of his staff. He would never answer but would go back to my being fired from Shults Auto Group and how I didn't deserve anything. I feel that he pushed to liquidate my vehicle at the last minute right before he knew I would be making the full past due payment and took the matter to a personal level only due to my being fired from Shults Auto Group. I had no problems when they repossessed my vehicle and was very polite in telling their team member that I had a permanent job starting August 11 and full payment would be made within two weeks. Never did I receive any information that the vehicle was being liquidated. I think that [redacted] is the typical Used Car Salesman, very rude and degrading, and that someone with that type of drive to create a personal vendetta from business relations should not be in this type of customer facing position. He's a liar, a cheat, and should be held accountable for his non-professional involvement in this situation. Regards, [redacted]
Ms***,
"">
I have personally reviewed your complaint and file and
wanted to reach out to you regarding your transaction. I understand that you are not happy with the
Soul you purchased from Kia of Jamestown in October of last year. Unfortunately, there is no way to simply
unwind the purchase of your vehicle, as many things happen when your take
delivery of a vehicle at our store.
First and foremost, a title in your name is issued with a lien from a
lender, and a registration is processed.
Shortly after that, tax is paid to the state and county, and in this
case, the vehicle is reported as delivered to Kia Motors of America as a
Certified unit, extending the warranty.
So even though we still have your trade on the lot, it is not as simple
as just swapping keys
I can however accommodate your second request, which is an
exchange for a vehicle of similar value.
I have researched the current market value of your Soul, and you are
correct that NADA suggests the value at $13,175. Pease keep in mind that you will not be able
to recoup taxes or plate fees, and will be responsible for and negative equity arising
from your current auto loan. My team
will work with you, as they did with the Soul, to find a vehicle that best fits
your needs, as it seems you are most unhappy with the space, ride and winter performance
of your current vehicle. Please feel
free to contact myself or *** *** at ***@shultsauto.com with any
ideas for a replacement vehicle, and we will go to work finding you something
that better fits your needs.
Thank you for your business and thank you for the
opportunity to make this right,
** *** ***
General Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I had my vehicle serviced at shults of westfieldI had the oil pressure gauge repaired and a new starter put on vehicle..This service included new parts and warranty; Shults of westfield refuses to repair my oil pressure gauge; which is not working properly and vehicle still has problems with starting up These problems started occurring within a month of being repaired and are under warrantyShults of westfield stated to me that they will not see about these issues because I reported them to the Revdex.comI paid over $2,at the time I had vehicle serviced at Shults of WestfieldFor vehicle to be repairedRegards,
*** ***
In response to claim #***:
Please note that on 9/15/we rechecked our work and found it satisfactory or not stated on original repairs
Also as far as not wanting to fix Mr***'s vehicle after the Revdex.com report, we had made that decision before any claim was madeWhich was stated in our first responseI may be inclined to make a partial refund for the oil sending unit if it is found faulty and verified by another GM certified dealerPlease adviseRespectfully
*** ***
Shults of Westfield
Revdex.com spoke with business today and he stated the following:
*** called and stated that the warranty was cancelled and the gap was cancelled, but the payments remain the same The refunds will be sent to the bank and it will be taken off the loan *** stated when he spoke with
the consumer they were discussing different options, one of which was he may buy the car back or refinance for a shorter term, but he has not been able to make contact with the consumer recently
To whom it may concern;
Ms*** and her boyfriend authorized motor tear down after a representative from their warranty company inspected the vehicle for a minor engine noise Once the motor was disassembled the warranty company again inspected the disassembled motor for
internal failureUnfortunately no cause of failure was discovered, and the extended warranty company declined the claimThe noise the motor makes is inherent to the vehicleAs a good will gesture to Ms*** we have waived the rental car charges in the amount of $and have established a payment plan to cover re-assembly of the motor and get the vehicle back it Ms*** The vehicle has been reassembled, inspected, and redelivered to the customer and we are confident that we have done everything in our power to satisfy Ms*** and cover our obligation under her no-charge Certified Pre-Owned warranty However, Ms*** is welcome to take her vehicle to ANY other Hyundai dealer under her warranty policy if she feels there is still an issue with her vehicleSincerely
Ed S*** III
General Manager
[redacted],
"">This in in response to Revdex.com Complaint #[redacted], Mr[redacted]
[redacted]
This is our account to what transpired during and after the
repairs to Mr. [redacted]'s vehicle
The dash board not being put back together was an exercise
of pushing in the molding around the radioYes it should have been pushed in
before he picked it upIt took literally a second to fix. As far as the transmission and engine having
problems, nothing was brought up by the customer when it was brought inWe took
it for a short drive after the repairs were made and it ran fineHowever it is
my experience that a transmission with problems will run fine until it gets
hot, then the problems would be noticeableAs far as the engine noise, I know
that this vehicle had been brought to another dealer for an engine noise
complaint previous to it being brought hereWe brought the vehicle back in and
rechecked all of our work and found it to be satisfactoryIf we would have
found any fault with our work it would have been corrected
This vehicle has over 200,miles on it and we did only
the stated repairsWhat we did would not have affected any problems he's
experiencingIn my opinion these problems we're there and Mr[redacted] was trying
to self-diagnose or blame us
After this incident, we made a decision that we have no
interest in doing business with Mr[redacted] any longerWe stated this to him after
the first repair was made, rechecking our work and he started accusing us of
wrong doing
Respectfully
[redacted]
General Manager
Shults of Westfield
ON MARCH 20, 2014 MR [redacted] PURCHASED ONE 2006 [redacted] WHEREBY HE ENTERED INTO A RETAIL INSTALLMENT CONTRACT WITH SECURITY AGREEMENT TO FINANCE SAID VEHICLE.
HIS PAYMENT TERMS WERE $112.28 PER WEEK AND SAID PAYMENTS WERE MADE THROUGH 6/20/14 AFTER WHICH TIME MR [redacted]’S PAYMENTS...
BECAME DELINQUENT AND IN DEFAULT. ON JULY 9, 2014 I HAD A DISCUSSION WITH HIM REGARDING THE POTENTIAL THAT HIS VEHICLE MAY BE REPOSSESSED, REGARDING THE FACT THAT HE HAD BEEN FIRED FROM HIS PREVIOUS EMPLOYER, AND REGARDING HOW HE WOULD HANDLE HIS LOAN OBLIGATIONS GOING FORWARD IN LIGHT OF THAT DEVELOPMENT.
IT WAS AGREED HE WOULD BE AFFORED THE OPPORTUNITY TO RECTIFY HIS LOAN DEFAULT, HIM HAVING EXPLAINED THAT HE HAD SOME CASH WORK HE WAS DOING THAT WEEKEND AS WELL AS A TEMPORARY JOB IN ERIE PA OVER THE NEXT FEW DAYS, AND THAT HE HAD BEEN HIRED AT ANOTHER PERMANENT EMPLOYER AT WHICH HE WOULD BE STARTING THEREAFTER.
AT THIS TIME MR [redacted] MADE PROMISES TO MAKE PAYMENT ON JULY 14TH (SPECIFICALLY TO PAY HIS OVERDUE REGISTRATION FEE AS HE WAS AT PRESENT DRIVING THE VEHICLE ON AN EXPIRED TEMP) AND HE FAILED TO DO SO; ADDITIONALLY HE PROMISED TO MAKE PAYMENT OF $225.00 ON JULY 16TH AND FAILED TO DO SO; FURTHER, HE PROMISED AS OF JULY 21ST HE WOULD MAKE ACCEPTABLE ARRANGEMENTS, BASED ON HIS AFOREMENTIONED NEW EMPLOYMENT, TO ADDRESS BOTH HIS LOAN PAYMENTS IN DEFAULT AS WELL AS HIS DEPOSIT PROMISSORY NOTE WHICH HAS BEEN IN DEFAULT SINCE APRIL 10TH, AND AGAIN FAILED TO DO SO.
HAVING FAILED TO MAKE PAYMENTS AS AGREED AND HAVING FAILED TO INFORM US OF ACCEPTABLE ALTERNATIVE ARANGEMENTS, OR FOR THAT MATTER FORMALLY COMMUNICATE WITH THE APPROPRIATE LOAN DEPARTMENT AT ALL, THE COLLATERAL, ONE 2006 [redacted], WAS REPOSSESSED ON JULY 23, 2014. AT THIS TIME ALL THE APPROPRIATE PAPERWORK WAS FILED WITH THE APPROPRIATE AUTHORITIES AND MR [redacted] WAS NOTIFIED AS REQUIRED BY CERTIFIED MAIL; AS TO ALL THE REPOSSESSION DETAILS, AMOUNTS DUE AND REQUIRED TO REDEEM WHICH WAS $1145.62, THE TIME FRAME ALLOTTED BY LAW, AND THE CONSEQUENSES FOR FAILURE TO DO SO. AT THE TIME THE VEHICLE WAS REPOSSESSED THERE WAS DIRECT CONTACT BY THE AGENT WITH MR [redacted] AND HE WAS INDEED INFORMED THAT HE WOULD NEED TO CONTACT ME WITH PAYMENT ARRANGEMENTS AND THAT I WOULD WORK WITH TO FACILITATE REDEMPTION IF POSSIBLE.
I DID NOT HEAR FROM MR [redacted] UNTIL AUGUST 18TH, WHICH WAS AFTER HE HAD BEEN NOTIFIED THAT THE COLLATERAL WOULD BE LIQUIDATED AS OF AUGUST 20TH. MY ASSISTANT [redacted] DID RECEIVE HIS CALL INFORMING ME AT WHICH TIME I WAS TIED UP INDEFINATELY ON ANOTHER CALL. I BRIEFLY INSTRUCTED HER TO TELL MR [redacted] THAT AT LEAST PARTIAL PAYMENT WOULD HAVE TO BE MADE PRIOR TO LIQUIDATION IN ORDER TO CONTINUE TO HOLD THE CAR IN REPOSSESSION AND DELAY THE SALE. I RETURNED TO MY CALL HOWEVER STILL WITHIN EARSHOT, I LISTENED TO MY ASSISTANT TELL MR [redacted] “EXACTLY” WHAT I TOLD HER TO TELL HIM.
MR [redacted] DID NOT MAKE PAYMENT AS INSTRUCTED AND CONSEQUENTLY THE COLLATERAL WAS LIQUIDATED AS SCHEDULED. AS REFERRED TO IN HIS COMPLAINT, HE WAS SUBSEQUENTLY NOTIFIED OF THE DEFAULT DEFICIENCY LOAN BALANCE NOW DUE AND OWING AND HIS LEGAL OBLIGATIONS THEREIN.
MR [redacted] CONTACTED ME ON AUGUST 25TH TO MAKE A VARIETY OF INSINUATIONS, ACCUSATIONS, INSULTS, AND DEMANDS AS TO HIS DISPLEASURE IN HAVING BEEN NOTIFIED ABOUT HIS AFOREMENTIONED DEFICIENCY NOTICE OBLIGATION. I EXPLAINED TO MR [redacted] THE FACTS, OUR LEGAL OBLIGATIONS AND PROCEEDURES WHICH HAVE BEEN PROPERLY EXECUTED AND FULFILLED AND THAT THE NOTICE IS CORRECT AND FUTHER THAT HIS FAILURE TO TAKE THIS OPPORTUNITY TO MAKE ACCEPTABLE ARRANGEMENTS TO SATISFY THE DEBT WILL RESULT IN LEGAL ACTIONS AGAINST HIM FOR THE SAME. IN RESPONSE TO THIS MR [redacted] DID BECOME RATHER OFFENSIVE AND IN REPLY TO ONE PORTION OF HIS INAPPOPROPRIATE AND INACCURATE STATEMENTS, I DID INDEED TELL HIM, “NO IF ANYONE, ONLY HE HAS BEEN DISHONEST AND HAS MISINFORMED AS TO HOW THIS MATTER HAS BEEN HANDLED, AND THAT IT’S ONLY HIS ACTIONS OR LACK THEREOF THAT HAS RESULTED IN HIS PRESENT DILLEMMA”.
MR [redacted] PROCEEDED TO INFORM ME THAT WE’LL SEE, THAT WE’LL FIGHT IN COURT, AND ENDED THE CALL. IT WAS A SHORT TIME LATER AS WELL AS THE NEXT DAY THAT 2 OTHER EMPLOYEES OF MY ORGANIZATION RECEIVED MESSAGES FROM MR [redacted] ON THEIR PHONES THAT CONTAINED VEILED HARRASSMENT, INSULTS, AND VULGARITY.
AT THIS TIME PURSUANT TO NORMAL COURSE OF BUSINESS, THIS MATTER IS BEING FORWARED TO OUR COUNSEL FOR CIVIL ACTION VS MR [redacted] AND A CEASE AND DESIST REQUEST IS BEING ISSUED TO HIM REGARDING THE PERSONAL HARRASEMENT OF ANY OF OUR STAFF.
IN CONCLUSION; MR [redacted], HAVING DEFAULTED ON HIS CONTRACTUAL OBLIGATIONS, AND AUTO CREDIT HAVING FULFILLED IT’S LEGAL OBLIGATIONS IN RESPONSE THERETO, HAS NO CAUSE OF ACTION OR MERITORIOUS DEFENSE REGARDING SAID DEFAULT. HE IS NOT ENTITLED TO A REPLACEMENT VEHICLE NOR REINSTATEMENT OF THE CONTRACT THAT WOULD BE NECESSARY THEREWITH, NOR IS HE ENTITLED TO FORGIVENESS OR OTHER RELIEF FROM HIS DEBT NOW OWING AND NONE IS THEREFORE ACKNOWLEDGED NOR OFFERED.
SINCERELY,
[redacted]
CREDIT MANAGER & LOAN LOSS OFFICER
AUTO CREDIT
Revdex.com spoke with [redacted] today and he stated that he has been trying to contact you and will be calling you today to try to address your concerns.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[redacted] made this matter personal, due to my previous employer he mentions as being part of the Shults Auto Group. When I was let go from my position at Shults Auto Group, [redacted] treated this matter personally rather than in a professional manner. I never received a liquidation notice as he had mentioned or any other communications regarding the liquidation of my vehicle. I did report to the credit department on numerous occasions that I indeed did have a full time job starting August 11th. On that very day, I called the credit department and spoke to [redacted]. I told her my intentions were to clear the full past due balance as soon as I received my first paycheck dated August 22nd. She placed me on hold and I assume this is when she was speaking with [redacted]. She came back on the line and said that I need to make a payment as soon as possible. There was never a discussion or mention of the liquidation. I repeated myself that I would be making the full balance payment on August 22nd and she said "Okay". So to my knowledge, that was the acceptance of the payment arrangement. Then I received a letter on August 20th that my vehicle had been liquidated. The next morning, I did call [redacted] in regards to the letter. He continued to be very insulting and rude, saying that I do not "deserve any favors" after the way I was released from employment with Shults Auto Group. He kept trying to involve the matter with my being fired from Shults Auto Group and had no real answer as to why I had been told the whole time I would be okay as long as my payment was made ASAP. I tried several times to ask him why it was liquidated after my conversations with [redacted] and other members of his staff. He would never answer but would go back to my being fired from Shults Auto Group and how I didn't deserve anything. I feel that he pushed to liquidate my vehicle at the last minute right before he knew I would be making the full past due payment and took the matter to a personal level only due to my being fired from Shults Auto Group. I had no problems when they repossessed my vehicle and was very polite in telling their team member that I had a permanent job starting August 11 and full payment would be made within two weeks. Never did I receive any information that the vehicle was being liquidated. I think that [redacted] is the typical Used Car Salesman, very rude and degrading, and that someone with that type of drive to create a personal vendetta from business relations should not be in this type of customer facing position. He's a liar, a cheat, and should be held accountable for his non-professional involvement in this situation. Regards, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
March, 27, 2013
Revdex.com
This letter is in response to your reply on February 13, 2014, regarding my complaint against
Shults Auto Group in Olean, NY. I sent you a copy of the original letter sent to Shults on
2/12/2014 in hopes that it would prompt Shults to correct the situation with the financing
arrangements they imposed when I purchased a car there in January, 2014. I have repeatedly
called and asked them to provide documentation that they have removed the $2000 extended
warranty, automatic debit fee, GAP insurance and associated sales tax on those charges from
the car loan I have financed through [redacted]. I also requested that the term of my loan be
changed from 72 months to 48 months, with a lower interest rate if applicable, and appropriate monthly
payment. To date I have not received corrected loan documents verifying those changes to my loan. To
resolve the issue I am requesting the Revdex.com act on my behalf to obtain:
1) Corrected bill of sale and loan documents that reflect the price of the car $10,500, registration
and fees, sales tax and a credit of my $4,000 down payment.
2) A loan repayment term of 48 months with applicable insurance rate for that term.
Thank you in advance for your assistance in this matter.
Sincerely,
[redacted]
Regards,
[redacted]
ON MARCH 20, MR [redacted] PURCHASED ONE [redacted] WHEREBY HE ENTERED INTO A RETAIL INSTALLMENT CONTRACT WITH SECURITY AGREEMENT TO FINANCE SAID VEHICLE HIS PAYMENT TERMS WERE $PER WEEK AND SAID PAYMENTS WERE MADE THROUGH 6/20/AFTER WHICH TIME MR [redacted] ’S PAYMENTS BECAME DELINQUENT AND IN DEFAULTON JULY 9, I HAD A DISCUSSION WITH HIM REGARDING THE POTENTIAL THAT HIS VEHICLE MAY BE REPOSSESSED, REGARDING THE FACT THAT HE HAD BEEN FIRED FROM HIS PREVIOUS EMPLOYER, AND REGARDING HOW HE WOULD HANDLE HIS LOAN OBLIGATIONS GOING FORWARD IN LIGHT OF THAT DEVELOPMENT IT WAS AGREED HE WOULD BE AFFORED THE OPPORTUNITY TO RECTIFY HIS LOAN DEFAULT, HIM HAVING EXPLAINED THAT HE HAD SOME CASH WORK HE WAS DOING THAT WEEKEND AS WELL AS A TEMPORARY JOB IN ERIE PA OVER THE NEXT FEW DAYS, AND THAT HE HAD BEEN HIRED AT ANOTHER PERMANENT EMPLOYER AT WHICH HE WOULD BE STARTING THEREAFTER AT THIS TIME MR [redacted] MADE PROMISES TO MAKE PAYMENT ON JULY 14TH (SPECIFICALLY TO PAY HIS OVERDUE REGISTRATION FEE AS HE WAS AT PRESENT DRIVING THE VEHICLE ON AN EXPIRED TEMP) AND HE FAILED TO DO SO; ADDITIONALLY HE PROMISED TO MAKE PAYMENT OF $ON JULY 16TH AND FAILED TO DO SO; FURTHER, HE PROMISED AS OF JULY 21ST HE WOULD MAKE ACCEPTABLE ARRANGEMENTS, BASED ON HIS AFOREMENTIONED NEW EMPLOYMENT, TO ADDRESS BOTH HIS LOAN PAYMENTS IN DEFAULT AS WELL AS HIS DEPOSIT PROMISSORY NOTE WHICH HAS BEEN IN DEFAULT SINCE APRIL 10TH, AND AGAIN FAILED TO DO SO HAVING FAILED TO MAKE PAYMENTS AS AGREED AND HAVING FAILED TO INFORM US OF ACCEPTABLE ALTERNATIVE ARANGEMENTS, OR FOR THAT MATTER FORMALLY COMMUNICATE WITH THE APPROPRIATE LOAN DEPARTMENT AT ALL, THE COLLATERAL, ONE [redacted] , WAS REPOSSESSED ON JULY 23, AT THIS TIME ALL THE APPROPRIATE PAPERWORK WAS FILED WITH THE APPROPRIATE AUTHORITIES AND MR [redacted] WAS NOTIFIED AS REQUIRED BY CERTIFIED MAIL; AS TO ALL THE REPOSSESSION DETAILS, AMOUNTS DUE AND REQUIRED TO REDEEM WHICH WAS $1145.62, THE TIME FRAME ALLOTTED BY LAW, AND THE CONSEQUENSES FOR FAILURE TO DO SOAT THE TIME THE VEHICLE WAS REPOSSESSED THERE WAS DIRECT CONTACT BY THE AGENT WITH MR [redacted] AND HE WAS INDEED INFORMED THAT HE WOULD NEED TO CONTACT ME WITH PAYMENT ARRANGEMENTS AND THAT I WOULD WORK WITH TO FACILITATE REDEMPTION IF POSSIBLE I DID NOT HEAR FROM MR [redacted] UNTIL AUGUST 18TH, WHICH WAS AFTER HE HAD BEEN NOTIFIED THAT THE COLLATERAL WOULD BE LIQUIDATED AS OF AUGUST 20THMY ASSISTANT [redacted] DID RECEIVE HIS CALL INFORMING ME AT WHICH TIME I WAS TIED UP INDEFINATELY ON ANOTHER CALLI BRIEFLY INSTRUCTED HER TO TELL MR [redacted] THAT AT LEAST PARTIAL PAYMENT WOULD HAVE TO BE MADE PRIOR TO LIQUIDATION IN ORDER TO CONTINUE TO HOLD THE CAR IN REPOSSESSION AND DELAY THE SALEI RETURNED TO MY CALL HOWEVER STILL WITHIN EARSHOT, I LISTENED TO MY ASSISTANT TELL MR [redacted] “EXACTLY” WHAT I TOLD HER TO TELL HIM MR [redacted] DID NOT MAKE PAYMENT AS INSTRUCTED AND CONSEQUENTLY THE COLLATERAL WAS LIQUIDATED AS SCHEDULEDAS REFERRED TO IN HIS COMPLAINT, HE WAS SUBSEQUENTLY NOTIFIED OF THE DEFAULT DEFICIENCY LOAN BALANCE NOW DUE AND OWING AND HIS LEGAL OBLIGATIONS THEREIN MR [redacted] CONTACTED ME ON AUGUST 25TH TO MAKE A VARIETY OF INSINUATIONS, ACCUSATIONS, INSULTS, AND DEMANDS AS TO HIS DISPLEASURE IN HAVING BEEN NOTIFIED ABOUT HIS AFOREMENTIONED DEFICIENCY NOTICE OBLIGATIONI EXPLAINED TO MR [redacted] THE FACTS, OUR LEGAL OBLIGATIONS AND PROCEEDURES WHICH HAVE BEEN PROPERLY EXECUTED AND FULFILLED AND THAT THE NOTICE IS CORRECT AND FUTHER THAT HIS FAILURE TO TAKE THIS OPPORTUNITY TO MAKE ACCEPTABLE ARRANGEMENTS TO SATISFY THE DEBT WILL RESULT IN LEGAL ACTIONS AGAINST HIM FOR THE SAMEIN RESPONSE TO THIS MR [redacted] DID BECOME RATHER OFFENSIVE AND IN REPLY TO ONE PORTION OF HIS INAPPOPROPRIATE AND INACCURATE STATEMENTS, I DID INDEED TELL HIM, “NO IF ANYONE, ONLY HE HAS BEEN DISHONEST AND HAS MISINFORMED AS TO HOW THIS MATTER HAS BEEN HANDLED, AND THAT IT’S ONLY HIS ACTIONS OR LACK THEREOF THAT HAS RESULTED IN HIS PRESENT DILLEMMA” MR [redacted] PROCEEDED TO INFORM ME THAT WE’LL SEE, THAT WE’LL FIGHT IN COURT, AND ENDED THE CALLIT WAS A SHORT TIME LATER AS WELL AS THE NEXT DAY THAT OTHER EMPLOYEES OF MY ORGANIZATION RECEIVED MESSAGES FROM MR [redacted] ON THEIR PHONES THAT CONTAINED VEILED HARRASSMENT, INSULTS, AND VULGARITY AT THIS TIME PURSUANT TO COURSE OF BUSINESS, THIS MATTER IS BEING FORWARED TO OUR COUNSEL FOR CIVIL ACTION VS MR [redacted] AND A CEASE AND DESIST REQUEST IS BEING ISSUED TO HIM REGARDING THE PERSONAL HARRASEMENT OF ANY OF OUR STAFF IN CONCLUSION; MR [redacted] , HAVING DEFAULTED ON HIS CONTRACTUAL OBLIGATIONS, AND AUTO CREDIT HAVING FULFILLED IT’S LEGAL OBLIGATIONS IN RESPONSE THERETO, HAS NO CAUSE OF ACTION OR MERITORIOUS DEFENSE REGARDING SAID DEFAULTHE IS NOT ENTITLED TO A REPLACEMENT VEHICLE NOR REINSTATEMENT OF THE CONTRACT THAT WOULD BE NECESSARY THEREWITH, NOR IS HE ENTITLED TO FORGIVENESS OR OTHER RELIEF FROM HIS DEBT NOW OWING AND NONE IS THEREFORE ACKNOWLEDGED NOR OFFERED SINCERELY, [redacted] CREDIT MANAGER & LOAN LOSS OFFICER AUTO CREDIT
Customer received refund in mail 3/14/ [redacted] III General Manager | Ed Shults Ford Lincoln
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below March, 27, Revdex.com This letter is in response to your reply on February 13, 2014, regarding my complaint against Shults Auto Group in Olean, NYI sent you a copy of the original letter sent to Shults on 2/12/in hopes that it would prompt Shults to correct the situation with the financing arrangements they imposed when I purchased a car there in January, I have repeatedly called and asked them to provide documentation that they have removed the $extended warranty, automatic debit fee, GAP insurance and associated sales tax on those charges from the car loan I have financed through [redacted] ***I also requested that the term of my loan be changed from months to months, with a lower interest rate if applicable, and appropriate monthly paymentTo date I have not received corrected loan documents verifying those changes to my loanTo resolve the issue I am requesting the Revdex.com act on my behalf to obtain: 1) Corrected bill of sale and loan documents that reflect the price of the car $10,500, registration and fees, sales tax and a credit of my $4,down payment 2) A loan repayment term of months with applicable insurance rate for that term Thank you in advance for your assistance in this matter Sincerely, [redacted] Regards, [redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. [redacted] made this matter personal, due to my previous employer he mentions as being part of the Shults Auto Group. When I was let go from my position at Shults Auto Group, [redacted] treated this matter personally rather than in a professional manner. I never received a liquidation notice as he had mentioned or any other communications regarding the liquidation of my vehicle. I did report to the credit department on numerous occasions that I indeed did have a full time job starting August 11th. On that very day, I called the credit department and spoke to [redacted] . I told her my intentions were to clear the full past due balance as soon as I received my first paycheck dated August 22nd. She placed me on hold and I assume this is when she was speaking with ***. She came back on the line and said that I need to make a payment as soon as possible. There was never a discussion or mention of the liquidation. I repeated myself that I would be making the full balance payment on August 22nd and she said "Okay". So to my knowledge, that was the acceptance of the payment arrangement. Then I received a letter on August 20th that my vehicle had been liquidated. The next morning, I did call [redacted] in regards to the letter. He continued to be very insulting and rude, saying that I do not "deserve any favors" after the way I was released from employment with Shults Auto Group. He kept trying to involve the matter with my being fired from Shults Auto Group and had no real answer as to why I had been told the whole time I would be okay as long as my payment was made ASAP. I tried several times to ask him why it was liquidated after my conversations with [redacted] and other members of his staff. He would never answer but would go back to my being fired from Shults Auto Group and how I didn't deserve anything. I feel that he pushed to liquidate my vehicle at the last minute right before he knew I would be making the full past due payment and took the matter to a personal level only due to my being fired from Shults Auto Group. I had no problems when they repossessed my vehicle and was very polite in telling their team member that I had a permanent job starting August 11 and full payment would be made within two weeks. Never did I receive any information that the vehicle was being liquidated. I think that [redacted] is the typical Used Car Salesman, very rude and degrading, and that someone with that type of drive to create a personal vendetta from business relations should not be in this type of customer facing position. He's a liar, a cheat, and should be held accountable for his non-professional involvement in this situation. Regards, [redacted]
Ms***,
"">
I have personally reviewed your complaint and file and
wanted to reach out to you regarding your transaction. I understand that you are not happy with the
Soul you purchased from Kia of Jamestown in October of last year. Unfortunately, there is no way to simply
unwind the purchase of your vehicle, as many things happen when your take
delivery of a vehicle at our store.
First and foremost, a title in your name is issued with a lien from a
lender, and a registration is processed.
Shortly after that, tax is paid to the state and county, and in this
case, the vehicle is reported as delivered to Kia Motors of America as a
Certified unit, extending the warranty.
So even though we still have your trade on the lot, it is not as simple
as just swapping keys
I can however accommodate your second request, which is an
exchange for a vehicle of similar value.
I have researched the current market value of your Soul, and you are
correct that NADA suggests the value at $13,175. Pease keep in mind that you will not be able
to recoup taxes or plate fees, and will be responsible for and negative equity arising
from your current auto loan. My team
will work with you, as they did with the Soul, to find a vehicle that best fits
your needs, as it seems you are most unhappy with the space, ride and winter performance
of your current vehicle. Please feel
free to contact myself or *** *** at ***@shultsauto.com with any
ideas for a replacement vehicle, and we will go to work finding you something
that better fits your needs.
Thank you for your business and thank you for the
opportunity to make this right,
** *** ***
General Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I had my vehicle serviced at shults of westfieldI had the oil pressure gauge repaired and a new starter put on vehicle..This service included new parts and warranty; Shults of westfield refuses to repair my oil pressure gauge; which is not working properly and vehicle still has problems with starting up These problems started occurring within a month of being repaired and are under warrantyShults of westfield stated to me that they will not see about these issues because I reported them to the Revdex.comI paid over $2,at the time I had vehicle serviced at Shults of WestfieldFor vehicle to be repairedRegards,
*** ***
In response to claim #***:
Please note that on 9/15/we rechecked our work and found it satisfactory or not stated on original repairs
Also as far as not wanting to fix Mr***'s vehicle after the Revdex.com report, we had made that decision before any claim was madeWhich was stated in our first responseI may be inclined to make a partial refund for the oil sending unit if it is found faulty and verified by another GM certified dealerPlease adviseRespectfully
*** ***
Shults of Westfield
Revdex.com spoke with business today and he stated the following:
*** called and stated that the warranty was cancelled and the gap was cancelled, but the payments remain the same The refunds will be sent to the bank and it will be taken off the loan *** stated when he spoke with
the consumer they were discussing different options, one of which was he may buy the car back or refinance for a shorter term, but he has not been able to make contact with the consumer recently
To whom it may concern;
Ms*** and her boyfriend authorized motor tear down after a representative from their warranty company inspected the vehicle for a minor engine noise Once the motor was disassembled the warranty company again inspected the disassembled motor for
internal failureUnfortunately no cause of failure was discovered, and the extended warranty company declined the claimThe noise the motor makes is inherent to the vehicleAs a good will gesture to Ms*** we have waived the rental car charges in the amount of $and have established a payment plan to cover re-assembly of the motor and get the vehicle back it Ms*** The vehicle has been reassembled, inspected, and redelivered to the customer and we are confident that we have done everything in our power to satisfy Ms*** and cover our obligation under her no-charge Certified Pre-Owned warranty However, Ms*** is welcome to take her vehicle to ANY other Hyundai dealer under her warranty policy if she feels there is still an issue with her vehicleSincerely
Ed S*** III
General Manager
[redacted],
"">This in in response to Revdex.com Complaint #[redacted], Mr[redacted]
[redacted]
This is our account to what transpired during and after the
repairs to Mr. [redacted]'s vehicle
The dash board not being put back together was an exercise
of pushing in the molding around the radioYes it should have been pushed in
before he picked it upIt took literally a second to fix. As far as the transmission and engine having
problems, nothing was brought up by the customer when it was brought inWe took
it for a short drive after the repairs were made and it ran fineHowever it is
my experience that a transmission with problems will run fine until it gets
hot, then the problems would be noticeableAs far as the engine noise, I know
that this vehicle had been brought to another dealer for an engine noise
complaint previous to it being brought hereWe brought the vehicle back in and
rechecked all of our work and found it to be satisfactoryIf we would have
found any fault with our work it would have been corrected
This vehicle has over 200,miles on it and we did only
the stated repairsWhat we did would not have affected any problems he's
experiencingIn my opinion these problems we're there and Mr[redacted] was trying
to self-diagnose or blame us
After this incident, we made a decision that we have no
interest in doing business with Mr[redacted] any longerWe stated this to him after
the first repair was made, rechecking our work and he started accusing us of
wrong doing
Respectfully
[redacted]
General Manager
Shults of Westfield
ON MARCH 20, 2014 MR [redacted] PURCHASED ONE 2006 [redacted] WHEREBY HE ENTERED INTO A RETAIL INSTALLMENT CONTRACT WITH SECURITY AGREEMENT TO FINANCE SAID VEHICLE.
HIS PAYMENT TERMS WERE $112.28 PER WEEK AND SAID PAYMENTS WERE MADE THROUGH 6/20/14 AFTER WHICH TIME MR [redacted]’S PAYMENTS...
BECAME DELINQUENT AND IN DEFAULT. ON JULY 9, 2014 I HAD A DISCUSSION WITH HIM REGARDING THE POTENTIAL THAT HIS VEHICLE MAY BE REPOSSESSED, REGARDING THE FACT THAT HE HAD BEEN FIRED FROM HIS PREVIOUS EMPLOYER, AND REGARDING HOW HE WOULD HANDLE HIS LOAN OBLIGATIONS GOING FORWARD IN LIGHT OF THAT DEVELOPMENT.
IT WAS AGREED HE WOULD BE AFFORED THE OPPORTUNITY TO RECTIFY HIS LOAN DEFAULT, HIM HAVING EXPLAINED THAT HE HAD SOME CASH WORK HE WAS DOING THAT WEEKEND AS WELL AS A TEMPORARY JOB IN ERIE PA OVER THE NEXT FEW DAYS, AND THAT HE HAD BEEN HIRED AT ANOTHER PERMANENT EMPLOYER AT WHICH HE WOULD BE STARTING THEREAFTER.
AT THIS TIME MR [redacted] MADE PROMISES TO MAKE PAYMENT ON JULY 14TH (SPECIFICALLY TO PAY HIS OVERDUE REGISTRATION FEE AS HE WAS AT PRESENT DRIVING THE VEHICLE ON AN EXPIRED TEMP) AND HE FAILED TO DO SO; ADDITIONALLY HE PROMISED TO MAKE PAYMENT OF $225.00 ON JULY 16TH AND FAILED TO DO SO; FURTHER, HE PROMISED AS OF JULY 21ST HE WOULD MAKE ACCEPTABLE ARRANGEMENTS, BASED ON HIS AFOREMENTIONED NEW EMPLOYMENT, TO ADDRESS BOTH HIS LOAN PAYMENTS IN DEFAULT AS WELL AS HIS DEPOSIT PROMISSORY NOTE WHICH HAS BEEN IN DEFAULT SINCE APRIL 10TH, AND AGAIN FAILED TO DO SO.
HAVING FAILED TO MAKE PAYMENTS AS AGREED AND HAVING FAILED TO INFORM US OF ACCEPTABLE ALTERNATIVE ARANGEMENTS, OR FOR THAT MATTER FORMALLY COMMUNICATE WITH THE APPROPRIATE LOAN DEPARTMENT AT ALL, THE COLLATERAL, ONE 2006 [redacted], WAS REPOSSESSED ON JULY 23, 2014. AT THIS TIME ALL THE APPROPRIATE PAPERWORK WAS FILED WITH THE APPROPRIATE AUTHORITIES AND MR [redacted] WAS NOTIFIED AS REQUIRED BY CERTIFIED MAIL; AS TO ALL THE REPOSSESSION DETAILS, AMOUNTS DUE AND REQUIRED TO REDEEM WHICH WAS $1145.62, THE TIME FRAME ALLOTTED BY LAW, AND THE CONSEQUENSES FOR FAILURE TO DO SO. AT THE TIME THE VEHICLE WAS REPOSSESSED THERE WAS DIRECT CONTACT BY THE AGENT WITH MR [redacted] AND HE WAS INDEED INFORMED THAT HE WOULD NEED TO CONTACT ME WITH PAYMENT ARRANGEMENTS AND THAT I WOULD WORK WITH TO FACILITATE REDEMPTION IF POSSIBLE.
I DID NOT HEAR FROM MR [redacted] UNTIL AUGUST 18TH, WHICH WAS AFTER HE HAD BEEN NOTIFIED THAT THE COLLATERAL WOULD BE LIQUIDATED AS OF AUGUST 20TH. MY ASSISTANT [redacted] DID RECEIVE HIS CALL INFORMING ME AT WHICH TIME I WAS TIED UP INDEFINATELY ON ANOTHER CALL. I BRIEFLY INSTRUCTED HER TO TELL MR [redacted] THAT AT LEAST PARTIAL PAYMENT WOULD HAVE TO BE MADE PRIOR TO LIQUIDATION IN ORDER TO CONTINUE TO HOLD THE CAR IN REPOSSESSION AND DELAY THE SALE. I RETURNED TO MY CALL HOWEVER STILL WITHIN EARSHOT, I LISTENED TO MY ASSISTANT TELL MR [redacted] “EXACTLY” WHAT I TOLD HER TO TELL HIM.
MR [redacted] DID NOT MAKE PAYMENT AS INSTRUCTED AND CONSEQUENTLY THE COLLATERAL WAS LIQUIDATED AS SCHEDULED. AS REFERRED TO IN HIS COMPLAINT, HE WAS SUBSEQUENTLY NOTIFIED OF THE DEFAULT DEFICIENCY LOAN BALANCE NOW DUE AND OWING AND HIS LEGAL OBLIGATIONS THEREIN.
MR [redacted] CONTACTED ME ON AUGUST 25TH TO MAKE A VARIETY OF INSINUATIONS, ACCUSATIONS, INSULTS, AND DEMANDS AS TO HIS DISPLEASURE IN HAVING BEEN NOTIFIED ABOUT HIS AFOREMENTIONED DEFICIENCY NOTICE OBLIGATION. I EXPLAINED TO MR [redacted] THE FACTS, OUR LEGAL OBLIGATIONS AND PROCEEDURES WHICH HAVE BEEN PROPERLY EXECUTED AND FULFILLED AND THAT THE NOTICE IS CORRECT AND FUTHER THAT HIS FAILURE TO TAKE THIS OPPORTUNITY TO MAKE ACCEPTABLE ARRANGEMENTS TO SATISFY THE DEBT WILL RESULT IN LEGAL ACTIONS AGAINST HIM FOR THE SAME. IN RESPONSE TO THIS MR [redacted] DID BECOME RATHER OFFENSIVE AND IN REPLY TO ONE PORTION OF HIS INAPPOPROPRIATE AND INACCURATE STATEMENTS, I DID INDEED TELL HIM, “NO IF ANYONE, ONLY HE HAS BEEN DISHONEST AND HAS MISINFORMED AS TO HOW THIS MATTER HAS BEEN HANDLED, AND THAT IT’S ONLY HIS ACTIONS OR LACK THEREOF THAT HAS RESULTED IN HIS PRESENT DILLEMMA”.
MR [redacted] PROCEEDED TO INFORM ME THAT WE’LL SEE, THAT WE’LL FIGHT IN COURT, AND ENDED THE CALL. IT WAS A SHORT TIME LATER AS WELL AS THE NEXT DAY THAT 2 OTHER EMPLOYEES OF MY ORGANIZATION RECEIVED MESSAGES FROM MR [redacted] ON THEIR PHONES THAT CONTAINED VEILED HARRASSMENT, INSULTS, AND VULGARITY.
AT THIS TIME PURSUANT TO NORMAL COURSE OF BUSINESS, THIS MATTER IS BEING FORWARED TO OUR COUNSEL FOR CIVIL ACTION VS MR [redacted] AND A CEASE AND DESIST REQUEST IS BEING ISSUED TO HIM REGARDING THE PERSONAL HARRASEMENT OF ANY OF OUR STAFF.
IN CONCLUSION; MR [redacted], HAVING DEFAULTED ON HIS CONTRACTUAL OBLIGATIONS, AND AUTO CREDIT HAVING FULFILLED IT’S LEGAL OBLIGATIONS IN RESPONSE THERETO, HAS NO CAUSE OF ACTION OR MERITORIOUS DEFENSE REGARDING SAID DEFAULT. HE IS NOT ENTITLED TO A REPLACEMENT VEHICLE NOR REINSTATEMENT OF THE CONTRACT THAT WOULD BE NECESSARY THEREWITH, NOR IS HE ENTITLED TO FORGIVENESS OR OTHER RELIEF FROM HIS DEBT NOW OWING AND NONE IS THEREFORE ACKNOWLEDGED NOR OFFERED.
SINCERELY,
[redacted]
CREDIT MANAGER & LOAN LOSS OFFICER
AUTO CREDIT
Customer received refund in mail 3/14/15.
[redacted] III
General Manager | Ed
Shults Ford Lincoln
Revdex.com spoke with [redacted] today and he stated that he has been trying to contact you and will be calling you today to try to address your concerns.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[redacted] made this matter personal, due to my previous employer he mentions as being part of the Shults Auto Group. When I was let go from my position at Shults Auto Group, [redacted] treated this matter personally rather than in a professional manner. I never received a liquidation notice as he had mentioned or any other communications regarding the liquidation of my vehicle. I did report to the credit department on numerous occasions that I indeed did have a full time job starting August 11th. On that very day, I called the credit department and spoke to [redacted]. I told her my intentions were to clear the full past due balance as soon as I received my first paycheck dated August 22nd. She placed me on hold and I assume this is when she was speaking with [redacted]. She came back on the line and said that I need to make a payment as soon as possible. There was never a discussion or mention of the liquidation. I repeated myself that I would be making the full balance payment on August 22nd and she said "Okay". So to my knowledge, that was the acceptance of the payment arrangement. Then I received a letter on August 20th that my vehicle had been liquidated. The next morning, I did call [redacted] in regards to the letter. He continued to be very insulting and rude, saying that I do not "deserve any favors" after the way I was released from employment with Shults Auto Group. He kept trying to involve the matter with my being fired from Shults Auto Group and had no real answer as to why I had been told the whole time I would be okay as long as my payment was made ASAP. I tried several times to ask him why it was liquidated after my conversations with [redacted] and other members of his staff. He would never answer but would go back to my being fired from Shults Auto Group and how I didn't deserve anything. I feel that he pushed to liquidate my vehicle at the last minute right before he knew I would be making the full past due payment and took the matter to a personal level only due to my being fired from Shults Auto Group. I had no problems when they repossessed my vehicle and was very polite in telling their team member that I had a permanent job starting August 11 and full payment would be made within two weeks. Never did I receive any information that the vehicle was being liquidated. I think that [redacted] is the typical Used Car Salesman, very rude and degrading, and that someone with that type of drive to create a personal vendetta from business relations should not be in this type of customer facing position. He's a liar, a cheat, and should be held accountable for his non-professional involvement in this situation. Regards, [redacted]
Refund check has been sent to [redacted] and the customer has bent sent a copy.
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
March, 27, 2013
Revdex.com
This letter is in response to your reply on February 13, 2014, regarding my complaint against
Shults Auto Group in Olean, NY. I sent you a copy of the original letter sent to Shults on
2/12/2014 in hopes that it would prompt Shults to correct the situation with the financing
arrangements they imposed when I purchased a car there in January, 2014. I have repeatedly
called and asked them to provide documentation that they have removed the $2000 extended
warranty, automatic debit fee, GAP insurance and associated sales tax on those charges from
the car loan I have financed through [redacted]. I also requested that the term of my loan be
changed from 72 months to 48 months, with a lower interest rate if applicable, and appropriate monthly
payment. To date I have not received corrected loan documents verifying those changes to my loan. To
resolve the issue I am requesting the Revdex.com act on my behalf to obtain:
1) Corrected bill of sale and loan documents that reflect the price of the car $10,500, registration
and fees, sales tax and a credit of my $4,000 down payment.
2) A loan repayment term of 48 months with applicable insurance rate for that term.
Thank you in advance for your assistance in this matter.
Sincerely,
[redacted]
Regards,
[redacted]