Tidalwave Finance Corp

Review: I checked my credit say car was repossessed January 2015 on my credit report this is not true car was repossessed January 2013 I believe this car loan bank with [redacted] Auto sales in Santa ana Californian orange county are working together to fraud there customersDesired Settlement: My resolution is for the accurate time of repo to show on my credit so will come off my credit report at the correct time

Business

Response:

To Whom It May Concern:

We are currently investigating this matter and have

attempted to contact the customer directly.

According to our records, this customer purchased a vehicle on or about

11/27/2012. The vehicle was repossessed

on 01/20/2014. The account was reported

repossessed in January of 2014. The

account was subsequently charged off by the company in April 2014 and was

reported as such. The Consumer’s credit

report shows a 24 month history that indicates the original repossession

occurred in January 2014 and when it was charged off. Due to an error, the account reverted back to

a repossession status in January 2015, we have notified the Credit Bureau to

correct this error immediately. Our intention is to accurately report the

customer’s account and apologize for the discrepancy.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Car was reposed January 2014 credit report says car was reposed October 2015 I am making a complaint because the car was not reposed on October 2015 I have made complaint with the Revdex.com on this tidalwave finance already when my credit report said car was reposed January 2015 I need the correct date to show on my credit report. I need my credit report to show when car was reposed on January 2014 on

the correct day.

Regards,

Business

Response:

The account has been updated on [redacted].

Review: On or before April of 2015 my vehicle was repossessed,I am I was at fault for late payments. I took the vehicle out of the yard,once I payed all the Repo fees and payed to Tidalwave I went to Pick up My truck from the impound.I noticed the truck Had damage on the (RIGHT) Brake light,it had been broken and my bumper had been damaged. a the time I spoje to the Security in charge of the Yard and she said she was going to Call and file and investigation.At the time I as well Contacted Tidalwave and spoke to "VIRGINIA" she told me she couldnt do anything about it and was going to call the third part towing services and it would take about a 1 week and would give me a call back. 2 weeks passed and nothing.later I made my payment as a "walk in" to the company and spoke to "[redacted]" she as well said they would again contact the 3rd party,its been about 3 months since and every time I go in they give me the same responce and never do anything about it.ive requested to speak to the Manager in charge and they always saw they are on lunch or off. Customer service by the whole staff are very rude and unproffesional. today 6-24-15 I again called [redacted] about the problem and still nothing has been resovled.at this point ive had enough and need my vehicle repaired since ive been pulled over and cant drive the truckDesired Settlement: Fix the rear bumper and tail light for my 2003 dodge ram.

Business

Response:

Customer made a complaint regarding damages he saw after he redeemed the repossessed vehicle, specifically a broken tail light and damage to the bumper. Upon investigation, we saw that the repossession company's Condition Report shows that the damages Customer is complaining of existed prior to the repossession. We explained this to the Customer and he understood that we are not responsible for any existing damages at the time of repossession. According to the Customer, his complaint included the service he received when trying to get information about the damages from our customer service representatives and for that, we apologized. In a good faith effort to resolve the Customer's customer service complaint, we offered to pay for his broken tail light, which he accepted. Customer has expressed his satisfaction and continues to make payments on his account.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: On 5/20/15 my car was repossessed by Tidalwave Finance, when I called them on 5/22/15, the office manager Rosa told me that my car had been repossessed because I was late on my payment in February. I have all my payment receipts and I was not late on my payment, I gave this information and she still stated that I was late in February but that Tidalwave was going to send me the proof in writing that I was late in 2/2015. I have also requested a copy of my contract 3 times, they say they will send it to me and after 6 months I'm still waiting. My insurance has never lapsed since I bought the car, but after the day of the repossession they sent a letter saying that my insurance should be under my name because it's under my wife's name, but this letter came after the repossession. Tidalwave Finance invoices are not itemized, I really don't know what I'm paying when they send different amounts to what the agreed monthly fee is, I have asked for an explanation but they say they will send it to me in writing, I'm still waiting for those answers and nothing has come in writing. For the almost 3 years that I have had the car, I have only been late once and that time I called Tidalwave Finance and asked for a deferred payment, I have been constant with my payments at all times. Tidalwave Finance has reported in my credit as been late more than a month, this has damaged my credit rating. Affecting my credit with no reason, since I have made all my payments in a timely manner. After 14 days of the repossession they have not send me any information on my property left in the car, and I have called several times to try and see how they are going to help me get the car back but Elvia the person I'm supposed to call, never answers. I have a busy work schedule and this issue is affecting me in many way, after leaving voice mails and no call backs, I'm really frustraded.Desired Settlement: I would like Tidalwave Finance to either return the car or void the contract with no further financial obligations from my part. All property left in the car must be returned. A correction in my credit report, I have not been late on my payments.

Business

Response:

Tidalwave Finance has investigated this complaint and reached a mutual resolution with the Customer. Tidalwave assures accurate record keeping and payment ledgers. Upon review, Tidalwave determined that it was due to a miscommunication that the customer's car was repossessed. In good faith, Tidalwave returned the customer's vehicle, at no cost to the customer, and made a credit to the customer's account for the time he did not have the vehicle. As a courtesy, for the inconvenience of the situation, Tidalwave credited the customer's account for an additional 10 days, for a credit of a total monthly payment. The customer has expressed their satisfaction and we are eager to continue a healthy relationship with him.

Review: I lost my job and fell into financial hardship and got behind on auto loan. Finance company kept Harassing me several times a day to pay full amount. I finally came to a payment plan with lady named [redacted]. I paid a car payment on Saturday 1/31/2015 and she agreed to let me pay the remaining balance on 2/11/2015 in full. On Monday 2/9/2015 I got a very demanding and aggressive phone call at my work. Demanding where vehicle location was, I proceeded to ask why? If I had made arrangement with [redacted] to pay that weds. And a very rude and incompetent lady named [redacted], (barely spoke any English) said [redacted] was no longer handling my account as of 2/9/2015 . She proceeded to demand where the vehicle was, and when I didn't reply she hung up on me. Few hours pass and my vehicle is repossessed. I made several attempts calling finance company but all I got was rude attitude and hung up. Called several more times just to get answers to why it was repossessed when I had made prior arrangements with [redacted] and made a payment 2 weeks prior. So now I'm stuck with no car and no answers.Desired Settlement: I want my vehicle returned! And a further investigation, can even check call Logs or recordings from company for Quality assurance issues which this obviously is. That we did speak and agree on that date to make full payment. Not just take my money and vehicle. It's not fair and I am pretty sure I am not the only who has gone through this with this company. I have work and school and I am now struggling to get around . Left with no explanation and to wait for a letter in the mail. It's unfair and I know people go through rough times in their life and this is definitely a tough time for me. Please please please do further investigation on this company! The people are rude and so unprofessional. It makes me SICK!

Business

Response:

To Whom It May Concern:Regarding the complaint we received, ID [redacted], we dispute the Customer’s claims that we had made an agreement with her regarding her account. We did attempt to work with her for several months, trying to get her to get her account current and advising her of her rights, including the voluntary surrender of the vehicle. We treat our customers with respect and dignity. When she contacted us using profanity, we requested that she stop and terminated the call when she would not. We strive to run our business in total compliance and to treat our customers with the utmost respect. Please see the following timeline of the Customer’s account:Customer’s account was due on 10/18/2014. Tidalwave called her on 10/27/2014, there was no answer and we were unable to leave a message. Tidalwave called her on 11/3/2014, again there was no answer but we were able to leave a message to call us back. Tidalwave called her employment on 11/3/2014, after being unable to reach her on her private phone, and left a message with [redacted] to have her call us back.Customer called us back on 11/4/2014 and made promise to pay by 11/19/2014. She was advised that she would then be 2 payments behind, because her next payment was due on 11/18/2014, and she confirmed she would be able to make a double payment. She was advised that we could give her until 11/7/2014 to make the October payment, she said she would call us back to let us know if she could make the payment by 11/7/2014. She did not call us back or make any payment on the 11/7/2014.On 11/10/2014, we called customer on, did not get an answer and left a message to call us back. We also called her employment and left a message for customer to call us back. Customer called us back on 11/17/2014 advising she could not make the October or November payments until 11/22/2014 and that she would make the payment via 711. Customer was advised that her account was not secure and no payment arrangement was agreed to.No payment was made on 11/22/2014. We called customer’s private number on 11/25/2014, no answer so we left a message. We also left another message at her employment.We called customer’s private number on 11/28/2014 and got a message that the phone was not accepting calls at that time.A 60 day late billing statement was sent to Customer on 12/1/2014. We were able to speak with customer on 12/2/2014 while she was at work, she advised she was busy and would call us back later in the day; she did not call us back.We contacted customer at work on 12/3/2014 and she advised she could not make a payment until 12/18/2014 but she would be able to make the 3 payments that were now delinquent. We advised her that she must make payment immediately and there was no guarantee because her account was not secure.Customer made a payment of $288.00 on 12/17/2014, not enough to bring her account current.Customer was sent a 90 day late billing statement on 12/29/2014.We called Customer on 1/7/2015, left a message to have Customer call us back.We called Customer on 1/13//2015, left a message to have Customer call us back.We called Customer on 1/16/2015, left a message to have Customer call us back.We spoke with Customer on 1/19/2015 and advised her that past due amount is $1.308.72. She was advised that if she could not make full payment, she could surrender the car. She said she would ask her family for help and would call us back by the end of the day. We advised her that she must either provide payment or the vehicle.Customer called on 1/20/2015, advised her father would help with 1 payment. We told her that 1 payment would not be enough, we would need at least $867.50 to consider it a partial payment. She said she would talk to her father again. Customer was advised that if we do not get at least the $867.50 then we would need to get the vehicle.We called Customer on 1/21/2015, left a message for her to call us back.We called Customer on 1/22/2015, left a message for her to call us back.We spoke with Customer on 1/23/2015, she advised she can send a payment on the following Saturday. She was advised that her account has been past due since October and making 1 payment will not bring her account current. She advised she would call back later that day.Customer did not call back on 1/23/2015. We called Customer on 1/26/2015, left a message for her to call us back.On 1/26/2015, Customer’s mother called to advise she would make a payment for her daughter on 1/28/2014 of $481.50. Customer’s mother advised that Customer would bring account current on 2/11/2015. We advised the Customer’s mother that we were unable to make an agreement with her because she was not on the account, advised her to have Customer call us back. We advised that we would be unable to stop any actions on the account even with the Customer’s mother’s promise to pay.Customer made a payment on 1/28/2015 of $385.00.Customer was sent a 120 day late billing statement on 1/26/2015.We called Customer on 1/27/2015, left a message for her to call us back.We called Customer on 1/28/2015, left a message for her to call us back.We called Customer on 1/29/2015, left a message for her to call us back.We called Customer on 1/30/2015, left a message for her to call us back.We called Customer on 1/31/2015, left a message for her to call us back.We called Customer on 2/2/2015, left a message for her to call us back.A 90 day late billing statement was sent to Customer on 2/2/2015.We called Customer on 2/3/2015, left a message for her to call us back.We called Customer on 2/4/2015, left a message for her to call us back.We called Customer on 2/5/2015, left a message for her to call us back.We spoke with Customer on 2/9/2015, advised her that the account needed to be made current as soon as possible. Customer advised she thought she had until 2/11/2015. We advised her that there was no agreement because we have been unable to contact her, she would need to make payment immediately.Customer was unable to bring account current and the vehicle was repossessed on 2/9/2015.We spoke with Customer and her mother on 2/9/2015 and reminded them that no arrangements had been made. We could not make an agreement with Customer’s mother, only Customer. In spite of our numerous attempts to contact Customer, we were unable to talk to Customer.Customer called back on 2/9/2015, yelling and using profanity. We requested she cease using foul language but continued. She was advised that she would need to pay her balance in full in order to retrieve the vehicle. Customer continued with profanities.Customer called back on 2/11/2015, she was advised that the repossession condition report was still pending. She was advised of the Notice of Intent to Sell and the breakdown of her balance.The Notice of Intent to Sell the vehicle was sent to Customer on 2/13/2015 and expires on 3/1/2015.At all times, our employees and agents have treated the Customer with respect and dignity. We had tried to work with her for several months but was unable to. She continuously failed to make payments on time or at all, in spite of her verbal promises to pay.Feel free to contact me with any further questions.

Review: I purchased my vehicle in 2011. I have maid the majority of my payments on time with only 2 diferements and a couple late payments, but over all most of them have been on time. I noticed the amount was not changing this year everytime I would make a payment. When I requested the reasons from the company they said in different occassions I did not provide insurance on the vehicle and the company placed insurance on my car in 4 occassions. Im 2014 I provided the proof of insurance and the company denied it because they said they could not verify the information because they were not listed as lien holders even though I sent them the declaration page to begin with. I told them my contract's agreement to furnish insurance did not specify that I need to put them on my insurance as lien holders and if they accepted my contract that way that was not my problem. The correct thing to have done when they oroginally received my contract in 2011 was to have denied the contract until the changes were updated to secure the interest of the car. Finally, after going back and forth about what my contract showed they finally accepted my insurance and it went from $3,400 that I was being charged to $2,180. I asked them to calculate that information again because at that point I was only due for 2 more payments which were the 2 difermenets I owed them. They insisted it was the amount that needed to be charged to me. I requested a detail payment hstory showing why I was being charged this amount. I spoke to the manager [redacted] a lot of going back and forth after and he said he would request an Excel spreadsheet showing why the charges were. He then emailed me with a bogus payment history with red pen marks and said this was the best he could do. I told him I was not accepting this. I requested an email before my payment was due indicating I was being promised a refund for anything extra I would pay once the calculations were complete in order for meDesired Settlement: To Continue paying for the car he said he wpuld need to speak to his legal department before sending such an email and never did. I have not hesitated to ever pay for it and I am being treated as if I am. I have given the company more than enough time to fix this issue and it has not been resolved. I never received an email assuring I would get my money back if I over paid on the car and the last supposed payment histroy was another spreadsheet with numbers randomly entered and no formulas eith calculations were shown on the account. I need a legitimate payment histroy not red markings on a printed payment history or an Excel spreadsheet with random numbers on it that do not calculate. I am stressed out. I have diabetes and hypertension and ever since this started it has been out of control. My health is being affected and now I have to find my own accountant and lawyer to help me deal with this situation. I need a solution since this has been going on for almost 1 year.

Business

Response:

We have received Customer's complaint and have been attempting to work with her to resolve it. At Customer's request, the Tidalwave Finance sent her a copy of her account payment ledger, with notations on the ledger in hopes she would better understand the history. When the Customer was unsatisfied with the ledger, again at her request, Tidalwave Finance sent her an excel spreadsheet with her payment history.

Review: I made a payment arrangement with Veronica of TidalWave Finance. I made the payment as arranged and the vehicle was still repossessed. I called TidalWave to ask why and I was told by [redacted] that there was no arrangement and she quoted me the amount to get my vehicle back. She required that I make two payments when only one was due, plus the repo fee and provide 5 additional credit references as well as a current paycheck stub before she would release the vehicle. I was instructed to send them certified and call back to confirm which I did. I was instructed to pay the repo fee to the repo agent when picking the vehicle up. I paid all the fees and the vehicle was released to me. Since receiving the vehicle back there have been mechanical problems that were not there prior to the repo. I called Tidalwave to explain the situation and was told by [redacted] that they never repossessed the vehicle. This is not what was previously said just a day earlier. [redacted] now says the dealership did. I asked why I would need to make payments to Tidalwave and provide references if it was the dealership. She would not answer. I called to give my spouse permission to discuss my account so that we could get clarification. When she called the first rep she spoke to also said there was no repo. She explained that we were working with [redacted] and she transferred the call. Immediately upon answering [redacted] states she cannot discuss account with my spouse. My spouse asked if she could just information on how to file a complaint for a wrongful repossession and [redacted] stated that they did not repossess the vehicle. My spouse asked for [redacted]'s extension or last name and she stated she was not allowed to give out her last name and did not have an extension. [redacted] said she was the manager and she did not have a supervisor. Also, during the repo the first agent was in a regular vehicle and blocked both my car and my wife's car in the driveway until the tow truck came preventing us from leaving.Desired Settlement: I would like my vehicle repaired and to be compensated for my loss.

Business

Response:

Regarding the complaint we received, ID [redacted], we dispute the Customer’s claims that we had made an agreement with him regarding his account. We did attempt to work with him for several months, trying to get payment on his account. We strive to treat our customers with respect and dignity and to run our business in total compliance and to treat our customers with the utmost respect. Please see the following timeline of the Customer’s account:Customer’s account was opened on 10/23/14, with an initial due date of 11/23/2014.Customer missed his first payment and second payments. As we had yet to receive a single payment from this Customer, we assigned it to be repossessed on January 15, 2015. As of 2/2/15, Customer was 3 payments past due. He made his first payment on 2/3/15, 72 days past due. Once we received the payment, we contacted the repo company and cancelled the assignment for repo.On 2/17/15, the Customer called us and reported that the vehicle had been repossessed. We advised the Customer that we did not have the vehicle repossessed. After some investigation, it was found that the Dealership, [redacted], had had the vehicle repossessed. The Dealership was not acting on our behalf nor did it have our authorization for such repossession. The customer went directly to the Dealer to retrieve his vehicle and paid the repossession fees to the Dealership in order to get his vehicle released.If there was any confusion, it was due to the Dealership’s actions of repossessing the vehicle without our knowledge. We are working to prevent this from happening in the future. We will continue to work with the Customer in the servicing of his finance contract.Please let me know if you need anything else.