St. Mary's Motors

Review: I just reviewed my credit report and couldn't believe my eyes. I'm trying to buy a new home and when they reviewed my credit they denied me because of this inaccurate account with st.marys acceptance. I looked deep into my records (I keep track of everything) and I cannot find anything showing acceptance of this account or ownership. I requested they provide me with documentation on this account both 45 and 90 days ago.

At this point this account is actually preventing me from buying a new home and as a result preventing me from putting food on the table or a roof over my children heads. This account is completely inaccurate and those inaccuracies should not be showing on my report. I disputed them on my credit report 3 times and yet they still remain. They have resulted in repeated denials of credit, lost opportunity to receive credit, economic loss, damage to my reputation, loss of self-esteem, invasion of privacy, interference with my normal and usual activities, and emotional distress.Desired Settlement: I consider this defamation and I want this removed from the 3 credit bureaus please delete from credit report.

Business

Response:

October 29, 2013

Dear **. [redacted]:

I am in receipt of you letter dated October 28, 2013. According to our records, we received a letter from [redacted] dated August 13, 2013. She requested documents to verify this account. We sent, return receipt requested to **. [redacted], copies of the Equifax document, the credit application she filled out when purchasing the vehicle, a copy of her signed contract and a copy of the letter she sent requesting this information. We have this return copy showing this was delivered to her address on August 20, 2013.

We are enclosing those documents in this mailing along with copies of **. [redacted]’s driver’s license and a copy of the letter giving **. [redacted] 15 days to redeem the vehicle and registration showing the vehicle registered to her and a copy of the purchase order signed by [redacted].

This vehicle was repossessed for default of the loan. **. [redacted] did not make her payments in a timely manner which resulted in the repossession.

If you need further documentation please call me at the above listed number.

Thank You,

Review: I was contacted by phone by Freddie (he identified himself as the Finance Manager on the phone and identified himself as the Owner in person), a used car salesman, for St. Mary's Motors in [redacted], Maryland. He said that if I had $500.00 down-payment, he could put me into a car and I could drive home that day. I arrived on Friday, June 20, 2014, with my $500 ready to get a car. When it was time to sign off on the vehicle (2004 [redacted]), I was then told that I needed to come up with more of a down-payment to be paid off in installments; the second payment of $1000 due the following Friday, June 27, 2014 for a total of $2600 to be paid by July 11, 2014.

When Friday, June 27, 2014 came, I checked my bank balance and realized that it was short because I was given a $500 payday advance by my company in order to have the down-payment for the car. At 8:30am Friday, June 27, 2014, I called the Business Manager Susan C[redacted] and explained the situation to her. I said that I have $500, instead of the $1000 scheduled installment payment for the down-payment. Because I had reached my withdrawal limit for another payment, I was unable to withdraw the $500 I was to pay St. Mary's Motors. I exhausted every means possible to get that $500 to St. Mary's Motors: wire transfer, [redacted], borrowing it, etc... I stayed in contact with Susan C[redacted] the entire time frequently updating her to the status of my efforts. Finally, I told her that I could be there 9am Saturday, June 28, 2014 to pay the $500 and then pay the other $500 on Thursday, July 3, 2014

Later, that afternoon, I received a phone call from Freddie threatening me about them coming to repo my vehicle. I explained to him that I would be there in the morning (Saturday, June 28, 2014) to pay $500 and then pay the other $500 on Thursday, July 3rd. After repeated threats and use of foul language, Freddie stated via text message that he would see me in the morning (Saturday, June 28, 2014) when I come to make the payment. At 7:30pm on Friday, June 27, 2014, my vehicle was repoed by St. Mary's Motors.

Then I was sent a text from Freddie stating that I could get my vehicle back by paying $1000 toward the down-payment and an extra $300 for the Repo fee.Desired Settlement: First, I want my $500 down-payment return to me. Second, I want all of my personal effects that were in the vehicle when it was repoed returned to me. Third, I want the tax, tags, title fee returned to me as well for a grand total of $1001.50

Business

Response:

Handwritten reply attached.

Consumer

Response:

[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 Administratively Resolved]

Review: [redacted]

I am rejecting this response because: There was NO resolution to this matter. I want, at the very least, my deposit of $500.00 refunded to me in full. The business has not sent me a viable resolution at all.

Regards,

Business

Response:

August 14, 2014Dear [redacted], I am in receipt of your letter dated August 12, 2014 regarding complaint # [redacted]. According to our records, [redacted] purchased a vehicle on June 20, 2014. He left a deposit of $500.00 and signed a promissory note and agreed to pay $1000.00 on June 27, 2014 and $1000.00 on July 11, 2014.It was explained to [redacted] that we are a second chance finance company and have zero tolerance for delinquency. [redacted] failed to make his promised payment and his vehicle was repossessed. [redacted] cannot expect to get a refund, he drove the vehicle from June 20, 2014 until it was repossessed. Enclosed you will find copies of the documents [redacted] signed. We will not be refunding any funds to [redacted]. Sincerely,Susan C. Manager

Review: I purchased a car from St. Mary's Motors. I was told that I could take the car home until my paycheck was deposited into my checking account in Feb 2013 with just a $100.00 deposit and run from the company's insurance until I was able to provide my own then the next day I was told that I had to bring the car back. Then when I was able to provide my own insurance and provide a portion of the down I was then able to take the car and as I was informing the car dealership that when I was bringing in money for remainder of down payment everything was fine then they started to change their minds of the payments and my money was put into different accounts and they took my car back without telling me but was willing to still except money from at the same time. So I spoke with the manager of the dealership and she said that all of of a sudden I had 14 days to make a payment so I told her that I would be in on 3-25-13 witha payment then she changed the conversation that I had to have the remainder of payment on that day right after she said that my payment was fine. I also informed them that my temporary registration did not match my car nor did the insurance info matched. They did not care said that it was fine. I need to know what steps that I should take with them next. All together I have given St. Mary's motors $950.00 so far. And I have asked them to repair items on the car prior to taking it and gasing it up neither were done.Desired Settlement: I would either like a refund of my money or help to figure out what else to do please.

Review: Owner of St Mary's Motor and Acceptance, Inc denies any liability in the inconvenience of the unlawful repossession, sale, and loan servicing without notice or legal representation in the State of Maryland for [redacted]'s County in reimbursement for extensive repairs the general manager refused to resolve, correction of preexisting damages and worn parts the dealership repaired without the manufacturer ([redacted] Dealer) diagnostic testing report and hung up the phone without any further explanation.When requesting owner assistance in service he interrogates asking more legal questions for defense rather than resolving service issues.Desired Settlement: rescind contract dated 08/23/2014 vehicle was purchased on 08/14/2013 and returned on 08/15/2014 for safety issues, no maryland inspection and improper tags. Buyer requesting return of deposit, loan pmts,rental fees, and repair cost with removal of derogatory comments from St Mary's Acceptance, Inc (in house bank)

Business

Response:

May 30, 2014Dear Ms. Freeman,I am in receipt of your letter dated May 19, 2014 and wish to respond. To support my statements I am also enclosing information that we have forwarded to Maryland Office of Financial Regulations.[redacted] was legally repossessed. Her account became delinquent because she gave us a fraudulent check (INS). [redacted] purchased her vehicle August 23, 2013. This is the first I have heard of any pre-existing service problems or any problems that surfaced during her 30 day warranty period that ware not corrected. Obviously eight months is a long time to remain silent.We are prepared to defend our position in court and, although we appreciate your efforts to mediate, we are not interested in renegotiating [redacted]'s price and terms.Sincerely,Alfred * GPresident St. Mary's Motors

Consumer

Response:

[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 Administratively Resolved]

Review: [redacted]

I am rejecting this response because: