Complaint: [redacted] I am rejecting this response because: I was told to have [redacted] sign the document because she was on the account and because the car was in her careSo because of improper training done to your staff I'm not paying for itWe were offered a deal to pay X amount and then have the remaining balance added to the end of the term we accepted the offer and we were ready to pay immediately the woman said she cleared it with her manager but after wanting verbal confirmation from the manager he told us a completely different thingSince the calls are recorded go back and listen to the calls from December till February and you'll see we accepted the offer and was willing to pay for their mistake and misinformationI do see we are not the only ones that have had this issue such a same you do this to customers Sincerely, [redacted] & [redacted]
While Auto Finance USA understands Ms [redacted] 's frustration, we have asked repeatedly for any documents she may have to substantiate her claim of payments made that were not reflecting on her account We have yet to receive those documents We invite Ms [redacted] to contact a representative at her convenience so that a mutual resolution may be reached
The KEY Finance understands Ms [redacted] 's frustration and invites her to contact a representative of The KEY Finance at her convenience, so that her contractual obligations and account history can be explained in detail Ms [redacted] is mistaken in her statement of a "24% interest rate" and is invited to review her contract for her specific interest rate The KEY Finance appreciates the opportunity to resolve this issue with Ms [redacted] and is looking forward to speaking with her
Mr [redacted] 's title was delivered to his address on file on January by the US Postal Service We spoke with Mr [redacted] on 1/and advised him it had been sent USPS and provided the tracking number AFUSA, LLC is not the entity responsible for providing title and registration paperwork but we make every effort to assist the customer as we did in this case
Auto Finance USA has confirmed the successful delivery of all the paperwork requested by Mr [redacted] and invites him to contact a representative of AFUSA should he have any additional questions or concerns
Initial Business Response / [redacted] (1000, 6, 2015/10/21) */ The KEY Finance appreciates the opportunity to address Ms [redacted] 's concerns, beginning with her claim of a 33% interestMs [redacted] 's interest is most definitely NOT 33% and her current APR is reflected not only on her signed contract and purchase agreement (along with any other documents presented at the time of the sale), but always available via an account representative at The KEY FinanceMs [redacted] purchased the Fiat in February 2014; the account notes do not reflect her concerns about the size of the Fiat or her car seats until October 15th, 2015, approximately months after the purchase of her carThe KEY Finance encourages Ms [redacted] to contact us at her convenience so that her concerns can be addressed accordingly Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/10/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have spoken to the key several timesOctober 15th is NOT the first time I mentioned my car and the car seat problemI tried to get it fixed the first day I received my car and nothing was doneA few months ago when I was explaining my situation, they submitted me for something to switch my car, and then said they would have to have $They will not negotiate payments, or switch my car without more moneyI can promise I have complained about this issue many many timesMy number is XXX-XXX-XXXXYour free to contact me if you have a resolution but considerin how many times I have explained the situation SINCE February, I know that you would rather me surrender my car than renegotiate my payments and put me in something that will fit my car seat Final Business Response / [redacted] (4000, 10, 2015/10/23) */ Finance would like to invite Ms [redacted] to call a representative at her convenience and discuss the options that are available for her at this time
Complaint: [redacted] I am rejecting this response because: The business states that it would be falsifying information to remove from my credit report, however the amount reported on my credit report is higher than the amount provided by Auto FinanceBeing a finance company you would think the numbers would be correctIt is also illegal to report a debt and not provide any documentationIt is also illegal to not have a way for the consumer to pay for such debtMy debt should have been sent to the business' lawyer and was told that they weren't sure why that wasn't doneAlso a fake account was created in order for me to pay such debt after weeks of constant arguingI do not agree to make payments but being forced to because they refuse to remove it from my credit reportI have told them the amount on my credit report is different than they are telling meTalk about falsifying information...there is the fake account created, the amount is incorrect on my credit report, the 2ND email that was sent to me from [redacted] looked as if I was starting a new loan, and I'm NOTI am still demanding this removed from my credit reportThere will be no proof this will be applied to the debt if I did make a payment Sincerely, [redacted] ***
Auto Finance USA appreciates the opportunity to alleviate Mr [redacted] 's frustration and invites him to contact a representative of AFUSA so that a mutual resolution can be reached
Mr [redacted] requested changes to his account on December 17, 2016, but (1) failed to return the signed documents by the requested due date of December 31st (2) had someone other than an account holder sign the documents (3) failed to maintain the aging of his account--all nullifying the terms of the agreement AFUSA made numerous attempts to contact Mr [redacted] and offered resolution and assistance, but ultimately Mr [redacted] chose to return the vehicle to AFUSA of his own accord
Per the terms of our Retail Automobile Installment Agreement Ms [redacted] loan was sold to a third party This is a common business practice and Ms [redacted] was advised
Initial Business Response / [redacted] (1000, 9, 2016/01/19) */ The KEY Finance appreciates the opportunity to address Ms***'s concerns and invites her to call a representative, so the modification process can be begin on her account
Initial Business Response /* (1000, 8, 2016/01/15) */
While The KEY Finance understands Ms***'s frustration, we invite her to review her signed contact and call a representative at her convenience, so that her account history can be explained at length
Initial Consumer Rebuttal /*
(3000, 11, 2016/01/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Because I spoken to them and I was told by a honest employee who was leaving the company told me that I was correct in my complaint
Final Business Response /* (4000, 13, 2016/01/19) */
Again, in order to thoroughly discuss the details of Ms***'s account history, we invite her to contact a representative of The KEY Finance at her convenience
The Key had a valid dispute with Harris County Tax Assessor Collector over their interpretation of the taxes to be collected on the sale of he motor vehicle to the complainant. The dispute has been resolved in The Key's favor and the complainant has been compensated, by The Key, for any
expenses incurred while going through this unfortunate experience which was beyond The Key's control
Complaint: ***
I am rejecting this response because: We have attempted to speak with your company regarding our account between January-MarchIn that time period I probably spoke with over different reps, different supervisors, and different account managersApparently we have an account manager assigned directly to our account, ***, which I included in my complaintWhen I called her in february and attempted to explain what was going on to see if she was the person who I was supposed to talk toShe interrupted me and was very rude, I asked for a supervisor and she put me on hold and hung up on meI have written emails when this first began with the whole payment thing to people who were listed on your website as managers and never recieved a responseIt's not that I havent wanted to talk to your company, it's the simple fact that we tried for over a month and a half and reps didnt seem to know what they were talking about, and supervisors were rude and wouldnt even talk to meThe interest rate wasn't really the point on this complaintYes my contract states 19.9%, which the sales guy told us 24%But the point of this complaint was that I couldn't even talk to someone who could actually help me without being belittled or hung up onSo unfortunately calling your company always leaves me in tears and a bad taste in my mouth, I would rather not contact you because I know if I do, I will be hung up on, or someone will be so rude to me I will cryWhich has happened several times.
Sincerely,
*** ***
After reviewing the compliant filed it appears that the compliant should be addressed with Auto Finance USAAuto Finance USA is the finance company in which services the loan and has the authority to make changes within that systemThe KEY appreciates the customer for choosing us as their
dealership to purchase a vehicle and want all aspects of their car experience to be a great one
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and
find that this resolution is satisfactory to me.
However they need to notify the person of the auto loan being sold when it happens not wait until the new loan place calls theclient and not days after they are called to find out what is going onMy loan was sold days before I got an email stating it was sold and I only received the email and phone call about it after me calling several times leaving messages and contacting Revdex.com
Sincerely,
*** ***
Initial Business Response /* (1000, 11, 2015/10/21) */
The KEY Finance appreciates the opportunity to address Ms***'s issues with payment statements and apologizes for any inconvenienceThe KEY Finance would like to reach out to Ms*** and invite her to call a representative at her
convenience, in order to secure a valid email address in which her statements can be forwarded at the time payment has been made
Initial Consumer Rebuttal /* (3000, 13, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have emailed themI have asked for this over the phoneI cannot get access to my online account and have to call for each payment nowThey have my email address and this is a bogus attempt to make it look like they are trying to resolve this
Final Business Response /* (4000, 15, 2015/10/23) */
Finance would like to invite Ms*** to check the email address she has provided the Finance department; she should find a temporary password and link that will direct her to payments made on her accountThe KEY Finance would like to thank Ms*** for the opportunity to resolve this issue
Complaint: [redacted] I am rejecting this response because: I was told to have [redacted] sign the document because she was on the account and because the car was in her careSo because of improper training done to your staff I'm not paying for itWe were offered a deal to pay X amount and then have the remaining balance added to the end of the term we accepted the offer and we were ready to pay immediately the woman said she cleared it with her manager but after wanting verbal confirmation from the manager he told us a completely different thingSince the calls are recorded go back and listen to the calls from December till February and you'll see we accepted the offer and was willing to pay for their mistake and misinformationI do see we are not the only ones that have had this issue such a same you do this to customers Sincerely, [redacted] & [redacted]
While Auto Finance USA understands Ms [redacted] 's frustration, we have asked repeatedly for any documents she may have to substantiate her claim of payments made that were not reflecting on her account We have yet to receive those documents We invite Ms [redacted] to contact a representative at her convenience so that a mutual resolution may be reached
The KEY Finance understands Ms [redacted] 's frustration and invites her to contact a representative of The KEY Finance at her convenience, so that her contractual obligations and account history can be explained in detail Ms [redacted] is mistaken in her statement of a "24% interest rate" and is invited to review her contract for her specific interest rate The KEY Finance appreciates the opportunity to resolve this issue with Ms [redacted] and is looking forward to speaking with her
Mr [redacted] 's title was delivered to his address on file on January by the US Postal Service We spoke with Mr [redacted] on 1/and advised him it had been sent USPS and provided the tracking number AFUSA, LLC is not the entity responsible for providing title and registration paperwork but we make every effort to assist the customer as we did in this case
Auto Finance USA has confirmed the successful delivery of all the paperwork requested by Mr [redacted] and invites him to contact a representative of AFUSA should he have any additional questions or concerns
Initial Business Response / [redacted] (1000, 6, 2015/10/21) */ The KEY Finance appreciates the opportunity to address Ms [redacted] 's concerns, beginning with her claim of a 33% interestMs [redacted] 's interest is most definitely NOT 33% and her current APR is reflected not only on her signed contract and purchase agreement (along with any other documents presented at the time of the sale), but always available via an account representative at The KEY FinanceMs [redacted] purchased the Fiat in February 2014; the account notes do not reflect her concerns about the size of the Fiat or her car seats until October 15th, 2015, approximately months after the purchase of her carThe KEY Finance encourages Ms [redacted] to contact us at her convenience so that her concerns can be addressed accordingly Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/10/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have spoken to the key several timesOctober 15th is NOT the first time I mentioned my car and the car seat problemI tried to get it fixed the first day I received my car and nothing was doneA few months ago when I was explaining my situation, they submitted me for something to switch my car, and then said they would have to have $They will not negotiate payments, or switch my car without more moneyI can promise I have complained about this issue many many timesMy number is XXX-XXX-XXXXYour free to contact me if you have a resolution but considerin how many times I have explained the situation SINCE February, I know that you would rather me surrender my car than renegotiate my payments and put me in something that will fit my car seat Final Business Response / [redacted] (4000, 10, 2015/10/23) */ Finance would like to invite Ms [redacted] to call a representative at her convenience and discuss the options that are available for her at this time
Complaint: [redacted] I am rejecting this response because: The business states that it would be falsifying information to remove from my credit report, however the amount reported on my credit report is higher than the amount provided by Auto FinanceBeing a finance company you would think the numbers would be correctIt is also illegal to report a debt and not provide any documentationIt is also illegal to not have a way for the consumer to pay for such debtMy debt should have been sent to the business' lawyer and was told that they weren't sure why that wasn't doneAlso a fake account was created in order for me to pay such debt after weeks of constant arguingI do not agree to make payments but being forced to because they refuse to remove it from my credit reportI have told them the amount on my credit report is different than they are telling meTalk about falsifying information...there is the fake account created, the amount is incorrect on my credit report, the 2ND email that was sent to me from [redacted] looked as if I was starting a new loan, and I'm NOTI am still demanding this removed from my credit reportThere will be no proof this will be applied to the debt if I did make a payment Sincerely, [redacted] ***
Auto Finance USA appreciates the opportunity to alleviate Mr [redacted] 's frustration and invites him to contact a representative of AFUSA so that a mutual resolution can be reached
Mr [redacted] requested changes to his account on December 17, 2016, but (1) failed to return the signed documents by the requested due date of December 31st (2) had someone other than an account holder sign the documents (3) failed to maintain the aging of his account--all nullifying the terms of the agreement AFUSA made numerous attempts to contact Mr [redacted] and offered resolution and assistance, but ultimately Mr [redacted] chose to return the vehicle to AFUSA of his own accord
Per the terms of our Retail Automobile Installment Agreement Ms [redacted] loan was sold to a third party This is a common business practice and Ms [redacted] was advised
I have contacted the the complainant and advised what we need to adjust the account. Privacy regulations do not permit me to comment further.
Initial Business Response / [redacted] (1000, 9, 2016/01/19) */ The KEY Finance appreciates the opportunity to address Ms***'s concerns and invites her to call a representative, so the modification process can be begin on her account
Initial Business Response /* (1000, 8, 2016/01/15) */
While The KEY Finance understands Ms***'s frustration, we invite her to review her signed contact and call a representative at her convenience, so that her account history can be explained at length
Initial Consumer Rebuttal /*
(3000, 11, 2016/01/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Because I spoken to them and I was told by a honest employee who was leaving the company told me that I was correct in my complaint
Final Business Response /* (4000, 13, 2016/01/19) */
Again, in order to thoroughly discuss the details of Ms***'s account history, we invite her to contact a representative of The KEY Finance at her convenience
The Key had a valid dispute with Harris County Tax Assessor Collector over their interpretation of the taxes to be collected on the sale of he motor vehicle to the complainant. The dispute has been resolved in The Key's favor and the complainant has been compensated, by The Key, for any
expenses incurred while going through this unfortunate experience which was beyond The Key's control
Complaint: ***
I am rejecting this response because: We have attempted to speak with your company regarding our account between January-MarchIn that time period I probably spoke with over different reps, different supervisors, and different account managersApparently we have an account manager assigned directly to our account, ***, which I included in my complaintWhen I called her in february and attempted to explain what was going on to see if she was the person who I was supposed to talk toShe interrupted me and was very rude, I asked for a supervisor and she put me on hold and hung up on meI have written emails when this first began with the whole payment thing to people who were listed on your website as managers and never recieved a responseIt's not that I havent wanted to talk to your company, it's the simple fact that we tried for over a month and a half and reps didnt seem to know what they were talking about, and supervisors were rude and wouldnt even talk to meThe interest rate wasn't really the point on this complaintYes my contract states 19.9%, which the sales guy told us 24%But the point of this complaint was that I couldn't even talk to someone who could actually help me without being belittled or hung up onSo unfortunately calling your company always leaves me in tears and a bad taste in my mouth, I would rather not contact you because I know if I do, I will be hung up on, or someone will be so rude to me I will cryWhich has happened several times.
Sincerely,
*** ***
After reviewing the compliant filed it appears that the compliant should be addressed with Auto Finance USAAuto Finance USA is the finance company in which services the loan and has the authority to make changes within that systemThe KEY appreciates the customer for choosing us as their
dealership to purchase a vehicle and want all aspects of their car experience to be a great one
Complaint: ***
I am rejecting this response because:I didn’t authorize anyone from this company to pull my credit
Sincerely,
AFUSA, LLC will stand by the original response
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and
find that this resolution is satisfactory to me.
However they need to notify the person of the auto loan being sold when it happens not wait until the new loan place calls theclient and not days after they are called to find out what is going onMy loan was sold days before I got an email stating it was sold and I only received the email and phone call about it after me calling several times leaving messages and contacting Revdex.com
Sincerely,
*** ***
Initial Business Response /* (1000, 11, 2015/10/21) */
The KEY Finance appreciates the opportunity to address Ms***'s issues with payment statements and apologizes for any inconvenienceThe KEY Finance would like to reach out to Ms*** and invite her to call a representative at her
convenience, in order to secure a valid email address in which her statements can be forwarded at the time payment has been made
Initial Consumer Rebuttal /* (3000, 13, 2015/10/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have emailed themI have asked for this over the phoneI cannot get access to my online account and have to call for each payment nowThey have my email address and this is a bogus attempt to make it look like they are trying to resolve this
Final Business Response /* (4000, 15, 2015/10/23) */
Finance would like to invite Ms*** to check the email address she has provided the Finance department; she should find a temporary password and link that will direct her to payments made on her accountThe KEY Finance would like to thank Ms*** for the opportunity to resolve this issue