Total Finance LLC

The customer bought this vehicle almost two years ago All of the pertinent information, including the financing information, was disclosed on the first page of the contract in the manner required by the federal Truth In Lending Act Also, this vehicle came with a month/12,mile warranty that would have covered any mechanical issues in the first year after purchase

Initial Business Response / [redacted] (1000, 5, 2015/05/04) */ Contact Name and Title: [redacted] At various times, Mr [redacted] would pay his monthly payment after the payment dateThis has two effectsIf the payment is received days or more late, a late charge accrues to the accountHowever, interest continues to run on the principal balanceThe information contained on the front of his contract in the Truth-in-Lending box presumes that every single payment would be received on its due dateIf certain payments are made earlier, the customer would pay back less than is shown on the contract, due to accruing less interestOr, in Mr [redacted] 's case, if a customer makes certain payments late, they will pay more than is shown on the contract, due to accruing more interest

According to our records, we have been reporting the customer's account to the credit bureau since the customer purchased the vehicle Unfortunately, after we provide the data to the credit bureaus, we have no control over what is done with the data

Despite his monthly payment being $398.00, Mr*** only made a payment of $despite his account being past due. When his account representative informed of that fact, he became quite upset and indicated he would not be paying the remaining amount until his next monthly payment.
When our account representative indicated that would lead to his account being sent to the Collections Department, Mr*** hung up the phone

Complaint: ***
I am rejecting this response because: the verbiage used along with not verifying before giving personal and private information first party or not there is still protocol to follow I will look into it with my atorney further Sincerely,
Rafael ***

We admit that the customer's credit card was accidentally overcharged. However, once we learned of the mistake, we immediately credited the customer's card in the amount of the error. While it did take a short period of time for the credit to appear on the customer's card, we acted
promptly to return her money. We apologize for any inconvenience

The purchase price of the vehicle was determined by the car dealership. We are simply the auto finance company. We are not involved in setting the original terms of the contract

The vehicle was sold with a GPS unit, which was disclosed to the customer at the time of sale. However, during the time that the customer had the vehicle, the GPS unit was removed, which is a violation of the contract. The vehicle was NOT found due to the GPS unit. As a result of
the customer violating the contract, the vehicle has been repossessed

Initial Business Response /* (1000, 13, 2015/07/31) */
If a customer requests us not to call them at their place of work, we will notate the account as suchMs***'s account does not currently have such a notation, but we will make sure that it is placedFurther, please understand that once
your account goes past due, you are in default under your contractThis is true whether you are one day past due or days past due

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Please be advised that as Total Finance owns the debt that it is attempting to collect upon, it is a first party debt collector. Accordingly, the FDCPA does not apply since that only pertains to third party debt collectors. As such, Total Finance has been in compliance with all
applicable laws when attempting to collect on this account which is currently days past due, and the underlying vehicle has been seized by law enforcement

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***Total Finance told me that days ago that they submitted a report manually and then stated it will take days here we are months later hearing the same results I then contacted *** they stated if the company did it manually it would be reported in business days its past business days and past days once again I have a credit report that I can log onto and check Total Finance is not on my credit report if you can see Total Finance will use the exact same answer days.When the month of May come they will state days like it's a game when this is a serious problem not following our contract agreement.I asked may I have a copy or proof that Total Finance is reporting my payments they stated we can send you your payment history I told the payments and reporting is to different things may I have proof the last time Total Finance reported they refused to give me proof or documents stating when they reported payments on MY Account I feel that is Fraud our contract agreement states make your monthly payments and it will be reported every month feb is the last time they reported if you contact *** they will inform you Total Finance was removed because the creditors were not responding

Revdex.com:
This is a lie I have made mechanical complaints and you sold me a horrible car that I still owe on and it is not working if I am past due then why didn't you come take the car you are know for selling bad cars and then repossessing themI have started a law suit that all you need to knowyou should go out of business or be honest with people for their hard working money
Sincerely,
*** ***

We have manually resubmitted the
customer's account to ***, in addition to the monthly batch reporting that we do. As such, this should appear on the customer's credit report. Please keep in mind that it can take up to days after we submit to the credit bureaus for it to appear on a consumer's credit report

Complaint: [redacted]
I am rejecting this response because:
As the company who financed me I do not understand why it would take "additional days" to receive my information. If you are the company who financed me there should not be any excuses as to why no one could find my file when I called. Since the very beginning I think you should already have access to my files because technically the contract was "sold" to you. This leaves a lot to say about the professionalism of your company along with [redacted] and Car Outlet. Definitely something is happening here whether you admit it or not. 
Sincerely,
[redacted]

The account has been paid off, and will be reported to the credit bureaus as such.  The title has been mailed to the customer's address via certified mail.

The customer purchased the vehicle back in 2015.  The vehicle came with a 12 month/12,000 mile warranty.  At no point in time has the customer made a single mechanical complaint about the vehicle.  Further, the customer has filed for bankruptcy and the account is currently 239 days...

past due.

Initial Business Response /* (1000, 5, 2015/09/11) */
Contact Name and Title: [redacted]
Contact Email: [redacted]@aol.com
The down payment was applied to the price of the car as is shown on the first page of the Retail Installment Sales Contract. In the event of a total loss, the account is...

not simply removed from the customer's credit report. It is reported as an accident with the account being paid off by insurance proceeds, which is how this account was reported.

Initial Business Response /* (1000, 5, 2015/05/04) */
Contact Name and Title: [redacted]
At various times, Mr. [redacted] would pay his monthly payment after the payment date. This has two effects. If the payment is received 10 days or more late, a late charge accrues to the account. However,...

interest continues to run on the principal balance. The information contained on the front of his contract in the Truth-in-Lending box presumes that every single payment would be received on its due date. If certain payments are made earlier, the customer would pay back less than is shown on the contract, due to accruing less interest. Or, in Mr. [redacted]'s case, if a customer makes certain payments late, they will pay more than is shown on the contract, due to accruing more interest.

Part of the reason for the confusion is that it takes some time for the deals to make it over from the dealership to the finance company - it doesn't appear magically the day after the car is sold.  The information that was provided was correct.  The customer's two options were to continue...

to pay for the car or to voluntarily repossess it.