To Whom It May Concern: [redacted] came to Arlington Toyota this past Saturday, March 14, to address the issues he has previously spoken about to the Revdex.com Arlington Toyota addressed the issues with the [redacted] and fixed them including removing the over spray on the [redacted] Before leaving on Saturday the [redacted] talked to him to be sure all of his issues had been addressed and the customer was happy before leaving / [redacted] Style Definitions */
Initial Business Response / [redacted] (1000, 5, 2015/04/22) */ I am responding to case noXXXXXXXX [redacted] Our Account XXXXXX Castle Credit provided the financing so that Mr [redacted] could purchased a water treatment system from [redacted] Systems of [redacted] CA Every customer is very important to us, and we take data reporting very seriouslyPlease note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct thisFrom time to time, customers notify us of such errors, and we assist them by notifying the bureaus of the correct informationWe have requested that the credit bureau report this loan as always currentAdditionally, we have forwarded a letter stating that the loan is for a secured home improvement loan and not a mortgageCastle Credit is not a mortgage lender, nor do we report our loans as such By signing the contract Mr [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the propertyPlease refer to the Security language located on the back of the contractJust in case, I have forwarded a copy of both sides of the contract to Mr [redacted] We apologize for any misunderstanding associated with the debit card arrangement and credit reportingWe appreciate Mr [redacted] for his timely payment history and for his patience while we worked to correct the reportingIt is our hope that this will resolve the complaint As always, please contact me directly with any additional questions or concerns Sincerely, [redacted] Account Resolution Specialist Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Most of the issue was resolvedI did receive the letter of the removal of late fees and that Castle credit will be updating to the credit bureaus electronically however I would like Castle Credit to also remove the verbiage (mortgage) off of the credit reports as well Final Business Response / [redacted] (4000, 9, 2015/04/29) */ 4/28/ I am responding to the rebuttal for case noXXXXXXXX [redacted] Our Account XXXXXX Every customer is very important to us, and we take data reporting very seriouslyPlease note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct thisFrom time to time, customers notify us of such errors, and we assist them by notifying the bureaus of the correct information Castle Credit has submitted the AUD (Automated Universal Data) form to update the credit reporting to show that the account was current in the months of July & August, It is important for Mr [redacted] to know that Castle Credit has always reported this account as a secured home improvement loan to all the major credit bureausIn fact, if he were to go to each credit bureau (Experian, [redacted] and [redacted] individually he could confirm that the loan was reported correctly as a secured home improvement loan A merged credit report is created by combining all three credit bureausA merged credit report is usually created by a third-party company that specializes in merging credit reports for mortgage companiesSuch companies pull reports from all three of the reporting bureaus and then merge, or combine, them into a single reportUnfortunately, sometimes merged reports will contain inaccurate informationIn this case the loan type has been merged incorrectly and shows the loan is for a mortgage Unfortunately, we have no way to correct the merged credit reporting done by a third party company Therefore, Castle Credit forwarded a letter to Mr [redacted] stating that the loan was for a secured home improvementThis letter will serve as proof that the loan is not a mortgage Again, we appreciate Mr [redacted] for his dedication to his credit ratingIt is our hope that all issues have been resolved As always, please contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2015/01/19) */ 1/19/ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX Castle Credit Corporation provided the financing so that Mr [redacted] could purchase an [redacted] from [redacted] Service of [redacted] Mr [redacted] chose to have a lower monthly payment of $Please know there are no prepayment penalties associated with his loanProvided the account is current any additional dollars would be applied directly to the principal balance decreasing the amount of interest charged and the length of the loan Mr [redacted] maintained a perfect payment history until missing his monthly payment in December and then again in April, May, June July and Dec of Unfortunately, missing these payments has made the status of his account continually past dueEven though he continues to make payments he is still past due for these missed monthly paymentsDue to the delinquency of the loan the annual percentage rate has increased to 21% Certainly, we can understand how frustrating it is to fall behind in paymentsTherefore, based on Mr [redacted] 's previous payment history we would like to offer some helpWe ask that Mr [redacted] provide us with a good faith payment of $on or before 2/3/Upon receipt of this payment we are willing to give his account a "fresh Start." This means we are offering to bring his account currentAdditionally, we will credit the account back $ for late fees and reduce the annual percentage rate back to 18%This account will then be current with the next payment of $due on 3/3/and every month thereafter until paid in fullA current account will no longer accrue late fees and the account will be reported favorably to the credit bureausPerhaps, Mr [redacted] would like to set his account up on auto paymentWe can draft his bank on the same day every month to help ensure the account remains currentOr he may choose to increase his monthly payment to lessen the interest charged and length of the loanIt is our hope that Mr [redacted] realizes the generosity of this offerAgain, all we ask is for a good faith payment of $ On 1/15/15, as per Mr [redacted] 's request we forwarded an account activity report to himWe have no record of any previous request for this informationWe are always happy to provide this upon request This Service for the system can be obtained by contacting Jason [redacted] of [redacted] at XXX-XXX-XXXX Let me know if this will resolve the complaint and I will make the necessary changes As always, please contact me directly with any additional questions or concerns Sincerely, Dave [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2015/01/09) */ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX We apologize for any misunderstanding regarding Mr [redacted] 's accountWe will adjust the payment due date to the 29th of the month to ensure that future drafts are properly posted to Mr [redacted] 's accountCertainly, all late fees will be reversed Please know that Mr [redacted] 's account is current and has been reported as such to the credit bureausThe account has never been reported as past dueWe appreciate Mr [redacted] for his timely payments and for his patience Please let me know if this will resolve the complaint and I will make the necessary adjustments As always, please contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Complaint: [redacted] I am rejecting this response becauseas a customer I am allowed to negotiate the sale price of the vehicle, which was I did I was not told the incentives that were available at the date of purchase were $1,dealer cash only that the financing available was 0% for 36, 48, or months or 1.9% for months I not told the financing would be 3.9% which is what I received, nor was I told what they were using was dealer cash for the price I negotiated I based the financing on the percentage rate that I was offered I want this corrected on my contract Regards, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2014/11/14) */ 11/13/ I am responding to case noXXXXXXXX, [redacted] - Our Account noXXXXXX Castle Credit provided the financing so that Ms [redacted] could purchase a water system from [redacted] Systems of [redacted] [redacted] is an independent contractor that uses several different finance companiesIn this case, [redacted] accepted our offer to finance Ms [redacted] 's purchaseCastle Credit simply financed the purchase Castle Credit has no legal right to take Ms [redacted] 's home nor would we threaten to do soHowever, by signing the contract Ms [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-is standard in the home improvement industry and poses no problem whatsoever unless the intention is to sell the home without honoring the loan that improved the propertyI hope this will clear up any misunderstanding and ease Ms [redacted] ' s mindI have attached a copy of the email that Mr [redacted] sent to Ms [redacted] back on 10/27/explaining the UCC-filing The last payment received was on 7/25/The severe delinquency of the past due amount has accelerated the entire balance to come dueMr [redacted] was trying to provide Ms [redacted] a solution that would work best for herUnfortunately, Ms [redacted] does not want to discuss her past due balance nor did she want to work out arrangements with Mr [redacted] It appears that the driving force behind this complaint is Ms [redacted] 's financial situationHer desired resolution in the complaint is that we close the accountUnfortunately, this loan cannot be canceled at this time Certainly, we can understand how frustrating it is to fall behind on paymentsTherefore, we would like to offer Ms [redacted] some helpWe are willing to give the account a "fresh start." This means we are offering to bring the account current with the next payment of $coming due on 11/15/It is our hope that this will enable Ms [redacted] to get her account back on track Please let me know if this will resolve the complaint and I will make the necessary adjustments to the account upon receipt of the first payment As always, please contact me directly with any additional questions or concerns Sincerely, [redacted] Account Resolution Specialist Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this offer because [redacted] was not present during the phone conversationsMr [redacted] did in fact threaten me in several of the verbal communications about "making me and my children homeless"This type of communication is unacceptableI am fully aware of how home improvement liens work and this is not how Mr [redacted] tried to explain the situation to meI was fully willing to work with Castle Credit but after the conversations with Mr***, I am not willing to be as openI want my balance to be withdrawn and zeroed and my credit report to reflect payment in fullI do not appreciate the way I was spoken to and how Castle Credit now has just tried to wash it away when [redacted] was not present during the many verbal conversations with Mr***I was threatened by Mr [redacted] on the phone and was even told that he Mr [redacted] did not have to follow debt collection laws so he could do whatever he wanted to do Final Consumer Response / [redacted] (4200, 11, 2014/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do NOT accept this offerThis matter is now in the hands of the [redacted] Attorney General Final Business Response / [redacted] (4000, 9, 2014/11/25) */ 11/21/ I am responding to the rebuttal case noXXXXXXXX, [redacted] - Our Account noXXXXXX Due to the claims that Ms [redacted] has made, management has extensively reviewed this account and correspondence and has also discussed it with Mr***Although Mr [redacted] does not agree with Ms [redacted] 's recounting of the conversations that transpired, we have discussed at length with him on how and why Ms [redacted] may have interpreted what was said and why she is feeling this wayWe do not take these matters lightlyWe have also taken steps to review our policies with our team and address these concerns It is clear Ms [redacted] is frustrated with this financial matterAlthough Ms [redacted] has requested that her account be zeroed out, this is not an optionWe have completely paid for the product and installation and have much invested in this loanHowever, we can again make the offer of giving Ms [redacted] a "fresh start." This means we are offering to bring the account current with the next payment of $coming due on 12/15/(We are extending the next payment due another month from our prior letter) I want Ms [redacted] to clearly understand the generosity of this offerThis offer gives Ms [redacted] the opportunity to improve her credit score by now reporting her account as current rather than 90+ days past dueAdditionally, we are offering to go back to the original monthly payment of $128.04, instead of pursing the balance in fullA current account will also no longer accrue late feesFurthermore, we will reassign this account to our manager who can personally oversee any future needs Please let me know if this will resolve the complaint and I will make the necessary adjustments to the account upon receipt of the first paymentComplete rejection of this offer would make the motivation behind this complaint questionableCertainly, we are putting forth our best effort to resolve this complaintThis is a valid debt and it is our hope that Ms [redacted] will take advantage of this offer so that we can move forward As always, please contact me directly with any additional concerns or questions Sincerely, [redacted] Account Resolution Specialist
Initial Business Response /* (1000, 5, 2015/04/08) */
I am responding to case noXXXXXXXX, *** ***Our Account # XXXXXX
Castle Credit is a finance company and our financing programs are an option for many home improvement dealersHomeSmart is an independent contractor that uses
many different lenders for their customer financing*** is not contractually obligated to finance any of their sales through Castle CreditHowever, in this case HomeSmart accepted our offer to finance Mr***'s water treatment system
The dollar amount of the financing, annual percentage rate, monthly payment and due date are clearly stated on the contractThe payments and interest have been charged in accordance with the agreement signedI have forwarded copies of the loan documents to Mr***
The contract was signed on 6/18/The terms and conditions of the loan were verified with Mr*** via his cell phone on 6/23/This verification call is a required step taken before opening a new accountWith Mr***'s approval we established the loan and paid HomeSmart in full for his purchaseOn 6/23/we sent a welcome letter which again reviewed the terms of the loan
By signing the contract Mr*** has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the property
I have spoken with Mr*** *** owner of *** Mr*** has assured me that all problems associated with this complaint have been resolvedFurthermore, that Mr*** is aware that he is past due and that he may pay this account off entirely at any time without penalty
It is our understanding that Mr*** is now satisfied and that the complaint has been resolved
As always, please contact me directly with any additional questions or concerns
Sincerely,
*** ***
Account Resolution Specialist
Initial Consumer Rebuttal /* (3000, 12, 2015/04/24) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:
RE: *** *** Purchase at Arlington Toyota
On February 7th Sara and Christopher *** came
to Arlington Toyota and purchased a vehicle.
A few days later it was discovered by an employee at Arlington Toyota
that a vehicle that had been
previously sold was in the parking lot at the
dealership. Once discovered it belonged
to the ***s Arlington Toyota called them to inform them that the vehicle they
purchased was here at the dealership.
The Florida State Law clearly states there is “No Cooling
Off” period and after a customer signs a contract the customer cannot cancel
the contract simply because they changed their mind. Arlington Toyota sympathized with the ***’s
and made an exception to the law and immediately called the banking institution
to cancel the contract to keep from a repossession showing up on the ***’s
credit
All paperwork was signed by the ***’s including the Retail
Installment Contract which includes a section labeled “Sellers Right To Cancel”
which states the seller has days to verify your information, locate
financing for you on the exact terms shown on the front of the contract, and
assign a financial institution. Not sure
what a “spot delivery scam” is meant by Mrs***, but Arlington Toyota takes
compliance of every law including the Truth in Lending Act and Chapter of
the Florida Statues very seriously. We
have many procedures in place to be sure “scams” do not happen at Arlington
Toyota
We regret we were not able to do business with the ***
family and wish them all the best in the future
I am rejecting this response because: Monday when *** *** called from Arlington Toyota at 8:58pm and asked if I could come in TuesdayI told him I was on a costly international callI could not speak with him long at that moment and I could not come in TuesdayI would be able to come in on Wednesday because it was more convenient for me because I'm a single parentI have to make sure my kids are situated after schoolI also have class Tuesday night that I must attend, he said okApproximately minutes later I began receiving calls from a area codeWhich I later for out was ***I did not answer because I did not know who it was and I was still on the phoneAt approximately 10:35p.mI realized I had a text message that was sent at 9:58p.mfrom *** saying he was ALREADY in route to my homeA few moments later I received another call from *** *** saying that there is a salesman circling my neighborhood trying to find my residenceAt the very moment I was terrified because I'm a single mother and I had my children with an addition of four others in my home alsoI told *** *** to tell him do not come to my homeI am not comfortable with this situation I will be in on Wednesday like I advised him earlierHe said ok BUT I really need your signature for the paperwork that needs to be turned in first thing in the morningThe paperwork was for the bankThey approved G.a.pbut they did not approve the 100,mile extended warrantySo my monthly bill would be cheaperInstead of me paying $a month my bill would be $a monthAgain I told him I understand his needs but do not send anyone to my homeHe said ok. At no time did I say it was ok! There is no way neither of the two could/should have assumed that sending a man to the home of a single mother would be ok at 10:45p.mespecially after I had clearly stated to *** *** twice already not to send anyone to my homeHe said ok both times. At 10:45p.m*** arrived to my homeThe kids were terrified and ran in my room saying there is a stranger outsideI looked out the window and he started yelling saying I need you to sign these papersI was speaking through the window and then open the door for him to get a clear understanding for him to leave my home immediately it's not ok, it never was ok and it would never be ok for him to come to my home everShortly afterwards I received a phone call from *** (which was on speaker phone) the attorative disrespectful manner of his voice sent us all into immediate fearHe demanded me to open my doorAnd sign the papers or else he was going to come get his vehicle back that night I said do not come back to my house tonightI will bring your vehicle back to you tomorrow in return for my carHe said ok and disrespectfully hung up the phone.When I arrived the next day, I spoke with ***I told him I didnt like the way they unprofessionally conducted business by sending a man to my home at 10:and nightNor did I approve of how he called me disrespectfully demanding me to open the door to sign a paper and threatening me that he was going to come get his vehicle backSo that's why I was there the next day that day to bring the vehicle back for the vehicle exchange as per Mr*** statement, due to the fact that I didn't sign the documentsHe asked if I had all of my things out of the vanAs if they were going to bring my car around for meThen he tried to bribe me with $for me too take the van and leaveI continued to say no I just want my car back and I never want to do business with you people againHe then came back and said you should have taken the $and leftNow your not getting your car or the $I followed him outside to *** *** then said ain't that right *** she don't get her car back do sheTell her that car is ours because she signed it over to us, *** agreedI then asked what happened to the paper that they needed me to sign so bad that it couldn't wait until WednesdaySince I didn't sign the paperAll of the paperwork isn't complete so therefore I should be able to get my car back*** stated he no longer needed me to sign any papersHe made a few phone calls that morning and everything I agreed to Saturday night is the paperwork that went throughEverything is fine and they don't need my signature for anything.They never showed me the paperwork that they needed my signature for that nightSo therefore there was no way I could refuseI still stand without clear understanding on why Mr***'s appearance at my resistance was necessary
Regards,
*** ***
To Whom It May Concern:Arlington Toyota's finance department was able to negotiate better terms for Mrs*** then what she had originally agreed to and signed up at the time of the sale (This is a common practice because every finance deal cannot be negotiated with our banks before the customer
completes their transaction at the dealership). On December 1, both the sales person, ***, and the finance manager were under the impression that the customer, *** ***, was OK with Arlington Toyota coming to her house in order to re-sign paperwork that was in favor of Mrs***. Once the sales person arrived and realized Mrs*** did not want to interact with the the sales person, he quickly apologized and left her house. When Mrs*** came to the dealership on Tuesday December 2, she declined to sign the paperwork with the better terms. Arlington Toyota apologizes for any miss-communication with Mrs***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that as long as the transaction has been canceled, then this resolution is satisfactory to me.
Regards,
*** ***
Initial Business Response /* (1000, 5, 2015/03/19) */
I am responding to case noXXXXXXXX, *** ***Our Account # XXXXXX
Castle Credit is a finance company and our financing programs are an option for many home improvement dealers*** of *** is an independent contractor
that uses many different lenders for their customer financing*** of Atlanta is not contractually obligated to finance any of their sales through Castle CreditHowever, in this case *** of Atlanta accepted our offer to finance Mr***'s water treatment system
The dollar amount of the financing, annual percentage rate, monthly payment and due date are clearly stated on the contractThe payments and interest have been charged in accordance with the agreement signedI have forwarded copies of the loan documents and an account activity report to Mr***
The contract was signed on 12/7/The terms and conditions of the loan were verified with Mr*** via his cell phone on 12/10/This verification call is a required step taken before opening a new accountWith Mr***'s approval we established the loan and paid *** of *** in full for his purchaseOn 12/13/12, we sent a welcome letter which again reviewed the terms of the loan
By signing the contract MrMr*** has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the property
Mr*** account is now currentHowever, timely monthly payments were not received and late fees were addedMaking timely monthly payments will ensure that no additional late fees will be addedIn fact, we offer auto payments free of chargeAuto payments will ensure that the monthly payment is drawn directly from his bank account on the same day each monthOur monthly billing statement indicates the amount of time it will take to satisfy the debt if the customer continues making the minimum paymentAdditionally, based on the status of the loan projects an estimate of the amount of interest and principal paid
Please know that we have no prepayment penaltiesMr*** can always pay more each month and the extra dollars would be applied directly to the principal balance decreasing the length of the loan and the interest chargedThe minimum monthly payment due is $per month
We appreciate Mr*** concerns and we are glad that he inquired about his loanIt is our hope that this information will help him understand that timely payments will ensure that additional late fees will not be addedKeeping the account current will enable Mr*** to take advantage of our no prepayment penalty optionPaying a higher dollar amount each month will significantly reduce the balance, decrease the amount of interest charged and shorten the length of the loan
As always, please contact me directly with any additional questions or concerns
Sincerely,
*** ***
Account Resolution Specialist
Initial Consumer Rebuttal /* (3000, 7, 2015/03/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Mr*** *** did not exactly respond to the questionsHe beat around themNever did I mention anything about late fees and you are disclosing my personal finance information, my payment history is not what is in questionYour business practices areAside from your inability to spell my name correctly
Your interest rates are insaneI have paid over $2k into this loan and only $has been credited to my principleThat is a loan shark
It is no surprise, a simple google search of this company will show that their practices are taking advantage of many people who accept a loan with them
It is MY hope that this business is investigated fully and that what I have actually paid in to this loan, is credited to my account
I will not accept anything else and I will keep this case open as long as possible to get an acceptable offer on a payoff because at the moment, what is being offered is a rip off
Final Business Response /* (4000, 9, 2015/03/20) */
I am responding to case noXXXXXXXX, *** ***Our Account # XXXXXX
The payment history of the account directly effects how the monthly payments are applied to the outstanding balanceFor example, if there are any outstanding late fees, your payment will apply to them first
Our monthly statement indicates the amount of time it will take to satisfy the debt if the customer continues to make the minimum monthly paymentAnd based on the status of the loan projects an estimate of the amount of interest and principal paidOur customers may increase their monthly payments to lessen the dollar amount of interest charged and the length of the loan
Our UCC-Manager, spoke with Mr*** todayShe will work directly with Mr*** to resolve any issues and concerns regarding the UCC-Financing Statement
We apologize for any misunderstanding and are committed to helping resolve the issueIt is our hope to resolve this complaint and to help Mr*** move ahead with his home financing plans
As always, please contact me with any additional questions or concerns
*** ***
Account Resolution Specialist
Initial Business Response /* (1000, 5, 2015/01/19) */
I am responding to case noXXXXXXXX, *** ***Our account noXXXXXX
While stationed at *** *** *** Castle Credit provided financing so that Mr*** could purchase a *** Vacuum System from *** Distributing of ***
*** We contacted Mr*** on 4/07/to verify the term and conditions of the contact he signed on 4/5/During this call Mr*** stated that he was the co- applicant on the loan and his intention was to help his roommate obtain credit to purchase the vacuumWe explained to him that this loan was in his name alone, that he would be responsible for making all the payments and that the credit history would be reported to the credit bureaus under his name aloneTherefore, his roommate's would not benefit from any credit reportingWe referred Mr*** back to *** Distributing for clarification of his purchase
Mr*** contacted *** Distributing and they confirmed exactly what we had told himOn 4/10/14, we reverified the terms and conditions of the loan with Mr***He stated that he wanted to help his roommate Michael with the purchaseWe again, very clearly explained that this account was in his name alone and that the credit history would be reported to the credit bureaus under his name onlyHe stated that he wanted to purchase the vacuum for his roommateTherefore, with his permission we established the loan and paid *** Distributing in full for his purchase
This first payment was scheduled and received on 5/15/via bank draftWe have not received any dispute regarding the drafting of this first paymentHowever, the next two monthly payments were rejected due to NSFTypically, with fraud the payments would have been rejected due to a stop payment or unauthorized paymentAdditionally, Mr*** had made promises to bring his account current as recent as August,
On 10/29/14, Mr*** called in from cell phone XXX-XXX-XXXX which is one digit off the cell number listed on his credit applicationThe phone number on his credit application and the phone we verified the sale with Mr*** is XXX-XXX-XXXXMr*** now is claiming that his identification was stolen while at *** *** and that he did not sign the contractWe emailed a fraud packet to him on 10/30/On 12/05/we received an incomplete fraud package back from Mr***There was no filed police report and he claimed to have no knowledge of the circumstances surrounding nor the person who committed the forgery
In the complaint Mr*** states that his cell phone number was listed for his social security numberThe credit application clearly lists Mr***'s cell phone and social security number in the proper placesPlease know that this loan was approved based on a successful verification, proper paperwork and credit information we obtained by running Mr***'s social security number
Finally, on 12/19/we received an email from Mr*** containing forms of identificationOne is his State of *** Drivers license issued 9/26/and the other is a *** Community College Identification CardBoth in his name with different signatures and different photo'sBy providing us with one valid and one fraudulent identification card we can only assume that Mr*** had full knowledge of this loan and actively participated in getting the loan processedMost alarming is his possession of fraudulent identificationIt is apparent that Mr*** alone or with another person participated in defrauding Castle Credit of funding dollars we paid to *** Distributing for his purchase
I urge Mr*** to call and make arrangements to avoid any additional legal fees charged in the collection of this debtThis is a legal and binding contract and we will pursue collection of this debt
As always, please contact me directly with any additional questions or concerns
Dave ***
Account Resolution Specialist
I am in receipt of the complaint from Mr***lMr***l financed the vehicle thru a third party sourceArlington Toyota does not issue and disbursements until the funds are clearedMr***l has received a refund of $This was completed on We apologize for the
confusion. *** ***
Initial Business Response /* (1000, 5, 2014/11/04) */
I am responding to case no. XXXXXXXX, [redacted].
Ms. [redacted] was listed on a credit application provided to us by [redacted]. Castle Credit has been trying to reach Mr. [redacted]. Our initial research uncovered that the phone...
number listed in the complaint was a possible contact phone for Mr. [redacted]. Therefore, our account representative left a message at this number. Shortly thereafter, our account representative called both references listed on the application without realizing that she was calling Ms. [redacted]'s phone number for a second time. The other reference was [redacted].
During this second call, our representative spoke to a women who identified herself as the grandmother of Mr. [redacted]. I am assuming that this women was [redacted] We would not know to ask for [redacted] as she was not listed on Mr. [redacted] application. However, Ms. [redacted] asked our representative to immediately call back so that she could have Ms. [redacted] or Mr. [redacted] pick up the phone, as they were both home. Our representative did as instructed but was unable to make contact after dialing the phone number. Thinking perhaps the phone was disconnected by mistake, she immediately called again. The woman that answered the phone did not identify herself but stated not to call this number again. No calls were placed to this phone number after being instructed not to call again.
There would be no reason for Castle Credit to threaten a credit reference. Again, our intention was to establish contact with Mr. [redacted] via the phone numbers he provided to us on his credit application. It is our hope that this will clear up any misunderstanding regarding the phone calls we placed to this phone number.
As always, please contact me directly with any additional questions or concerns.
Sincerely,
[redacted]
Account Resolution Specialist
[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]
Complaint: 11390323
I am rejecting this response because:
Good Afternoon [redacted],The reason I am expecting a refund is because I was lied to about the fuel injector being broken as well as the knock sensor being broken.I originally took my truck into rpm for diagnosis which they let me know my truck fuel injector wasn't working properly and that it should be covered under warranty which is the reason I took it to your location. Once I got there I asked [redacted] if they could do a full diagnostic of what was wrong with my vehicle which he let me know the fee would disapere if I got it fixed. I left him my rpm paper work becuas I figured that would help him diagnose the vehicle, apparently this was a mistake since it seems no diagnostic was ever done. What I think is really funny is that I have 2 different stories know on how my fuel injector cable was broken, [redacted] told me the mechanic broke it and now you are telling me the mechanic found it broke. I would assume in a diagnostic you would find the cable broke. It's seems like everytime I call over there I get a different story from your service team, I do suggest that when they lie to the next customer they all get on the same page to reduce the amount of confusion.And I still expect a refundRegards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:It would be impossible for me to delay repairs to the vehicle for over a month until I could get it to [redacted]. The vehicle was taking in water from improper repairs done to the roof before I purchased the vehicle. I've now been without a vehicle for almost a month while it has been getting repaired at my local [redacted] dealership in [redacted]. I was forced to file an insurance claim to cover the costs of the needed repairs that Arlington refused to "participate" on. [redacted] of [redacted] would not even guarantee that they would fix my vehicle had I postponed said repairs and brought it to them 598 miles from where I live. I will be filing a formal complaint with [redacted] and seeking legal recourse if Arlington continues to show no desire to acknowledge and address the fact that I was sold a damaged vehicle.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: The business has refused to respond to the most significant part of my complaint, which is the fact that they misrepresented the condition of the...
Certified Pre-Owned Vehicle I purchased. According to the Toyota Certified website, a certified pre-owned vehicle is:
Vehicle is free of improper paint repairs or mismatched color
The front bumper has been repainted and is not an exact match. The reason this wasn't noticed immediately was due to the poor lighting on the day we bought the vehicle. In the sunlight, the two shades are completely different. This difference will have a $3,000 difference in price at time of resale, and as such, the (2) $50 gift cards provided by Arlington Toyota barely make up for the gas we've spent driving back and forth trying to get this resolved. On Saturday, when we picked up the car, they didn't have the courtesy to fill up the gas tank. This is after countless trips to [redacted] and dozens of emails, texts and phone calls. The overspray has been buffed out of the body and is no longer present. They also fixed the issue with the glove box which was covered by warranty.Regards,
[redacted]
We have contacted the customer and he will be here Saturday to resolve the issue
To Whom It May Concern: [redacted] came to Arlington Toyota this past Saturday, March 14, to address the issues he has previously spoken about to the Revdex.com Arlington Toyota addressed the issues with the [redacted] and fixed them including removing the over spray on the [redacted] Before leaving on Saturday the [redacted] talked to him to be sure all of his issues had been addressed and the customer was happy before leaving / [redacted] Style Definitions */
Initial Business Response / [redacted] (1000, 5, 2015/04/22) */ I am responding to case noXXXXXXXX [redacted] Our Account XXXXXX Castle Credit provided the financing so that Mr [redacted] could purchased a water treatment system from [redacted] Systems of [redacted] CA Every customer is very important to us, and we take data reporting very seriouslyPlease note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct thisFrom time to time, customers notify us of such errors, and we assist them by notifying the bureaus of the correct informationWe have requested that the credit bureau report this loan as always currentAdditionally, we have forwarded a letter stating that the loan is for a secured home improvement loan and not a mortgageCastle Credit is not a mortgage lender, nor do we report our loans as such By signing the contract Mr [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the propertyPlease refer to the Security language located on the back of the contractJust in case, I have forwarded a copy of both sides of the contract to Mr [redacted] We apologize for any misunderstanding associated with the debit card arrangement and credit reportingWe appreciate Mr [redacted] for his timely payment history and for his patience while we worked to correct the reportingIt is our hope that this will resolve the complaint As always, please contact me directly with any additional questions or concerns Sincerely, [redacted] Account Resolution Specialist Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Most of the issue was resolvedI did receive the letter of the removal of late fees and that Castle credit will be updating to the credit bureaus electronically however I would like Castle Credit to also remove the verbiage (mortgage) off of the credit reports as well Final Business Response / [redacted] (4000, 9, 2015/04/29) */ 4/28/ I am responding to the rebuttal for case noXXXXXXXX [redacted] Our Account XXXXXX Every customer is very important to us, and we take data reporting very seriouslyPlease note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct thisFrom time to time, customers notify us of such errors, and we assist them by notifying the bureaus of the correct information Castle Credit has submitted the AUD (Automated Universal Data) form to update the credit reporting to show that the account was current in the months of July & August, It is important for Mr [redacted] to know that Castle Credit has always reported this account as a secured home improvement loan to all the major credit bureausIn fact, if he were to go to each credit bureau (Experian, [redacted] and [redacted] individually he could confirm that the loan was reported correctly as a secured home improvement loan A merged credit report is created by combining all three credit bureausA merged credit report is usually created by a third-party company that specializes in merging credit reports for mortgage companiesSuch companies pull reports from all three of the reporting bureaus and then merge, or combine, them into a single reportUnfortunately, sometimes merged reports will contain inaccurate informationIn this case the loan type has been merged incorrectly and shows the loan is for a mortgage Unfortunately, we have no way to correct the merged credit reporting done by a third party company Therefore, Castle Credit forwarded a letter to Mr [redacted] stating that the loan was for a secured home improvementThis letter will serve as proof that the loan is not a mortgage Again, we appreciate Mr [redacted] for his dedication to his credit ratingIt is our hope that all issues have been resolved As always, please contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2015/01/19) */ 1/19/ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX Castle Credit Corporation provided the financing so that Mr [redacted] could purchase an [redacted] from [redacted] Service of [redacted] Mr [redacted] chose to have a lower monthly payment of $Please know there are no prepayment penalties associated with his loanProvided the account is current any additional dollars would be applied directly to the principal balance decreasing the amount of interest charged and the length of the loan Mr [redacted] maintained a perfect payment history until missing his monthly payment in December and then again in April, May, June July and Dec of Unfortunately, missing these payments has made the status of his account continually past dueEven though he continues to make payments he is still past due for these missed monthly paymentsDue to the delinquency of the loan the annual percentage rate has increased to 21% Certainly, we can understand how frustrating it is to fall behind in paymentsTherefore, based on Mr [redacted] 's previous payment history we would like to offer some helpWe ask that Mr [redacted] provide us with a good faith payment of $on or before 2/3/Upon receipt of this payment we are willing to give his account a "fresh Start." This means we are offering to bring his account currentAdditionally, we will credit the account back $ for late fees and reduce the annual percentage rate back to 18%This account will then be current with the next payment of $due on 3/3/and every month thereafter until paid in fullA current account will no longer accrue late fees and the account will be reported favorably to the credit bureausPerhaps, Mr [redacted] would like to set his account up on auto paymentWe can draft his bank on the same day every month to help ensure the account remains currentOr he may choose to increase his monthly payment to lessen the interest charged and length of the loanIt is our hope that Mr [redacted] realizes the generosity of this offerAgain, all we ask is for a good faith payment of $ On 1/15/15, as per Mr [redacted] 's request we forwarded an account activity report to himWe have no record of any previous request for this informationWe are always happy to provide this upon request This Service for the system can be obtained by contacting Jason [redacted] of [redacted] at XXX-XXX-XXXX Let me know if this will resolve the complaint and I will make the necessary changes As always, please contact me directly with any additional questions or concerns Sincerely, Dave [redacted] Account Resolution Specialist
Initial Business Response / [redacted] (1000, 5, 2015/01/09) */ I am responding to case noXXXXXXXX, [redacted] Our account noXXXXXX We apologize for any misunderstanding regarding Mr [redacted] 's accountWe will adjust the payment due date to the 29th of the month to ensure that future drafts are properly posted to Mr [redacted] 's accountCertainly, all late fees will be reversed Please know that Mr [redacted] 's account is current and has been reported as such to the credit bureausThe account has never been reported as past dueWe appreciate Mr [redacted] for his timely payments and for his patience Please let me know if this will resolve the complaint and I will make the necessary adjustments As always, please contact me directly with any additional questions or concerns [redacted] Account Resolution Specialist
Complaint: [redacted] I am rejecting this response becauseas a customer I am allowed to negotiate the sale price of the vehicle, which was I did I was not told the incentives that were available at the date of purchase were $1,dealer cash only that the financing available was 0% for 36, 48, or months or 1.9% for months I not told the financing would be 3.9% which is what I received, nor was I told what they were using was dealer cash for the price I negotiated I based the financing on the percentage rate that I was offered I want this corrected on my contract Regards, [redacted] ***
Initial Business Response / [redacted] (1000, 5, 2014/11/14) */ 11/13/ I am responding to case noXXXXXXXX, [redacted] - Our Account noXXXXXX Castle Credit provided the financing so that Ms [redacted] could purchase a water system from [redacted] Systems of [redacted] [redacted] is an independent contractor that uses several different finance companiesIn this case, [redacted] accepted our offer to finance Ms [redacted] 's purchaseCastle Credit simply financed the purchase Castle Credit has no legal right to take Ms [redacted] 's home nor would we threaten to do soHowever, by signing the contract Ms [redacted] has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-is standard in the home improvement industry and poses no problem whatsoever unless the intention is to sell the home without honoring the loan that improved the propertyI hope this will clear up any misunderstanding and ease Ms [redacted] ' s mindI have attached a copy of the email that Mr [redacted] sent to Ms [redacted] back on 10/27/explaining the UCC-filing The last payment received was on 7/25/The severe delinquency of the past due amount has accelerated the entire balance to come dueMr [redacted] was trying to provide Ms [redacted] a solution that would work best for herUnfortunately, Ms [redacted] does not want to discuss her past due balance nor did she want to work out arrangements with Mr [redacted] It appears that the driving force behind this complaint is Ms [redacted] 's financial situationHer desired resolution in the complaint is that we close the accountUnfortunately, this loan cannot be canceled at this time Certainly, we can understand how frustrating it is to fall behind on paymentsTherefore, we would like to offer Ms [redacted] some helpWe are willing to give the account a "fresh start." This means we are offering to bring the account current with the next payment of $coming due on 11/15/It is our hope that this will enable Ms [redacted] to get her account back on track Please let me know if this will resolve the complaint and I will make the necessary adjustments to the account upon receipt of the first payment As always, please contact me directly with any additional questions or concerns Sincerely, [redacted] Account Resolution Specialist Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/11/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this offer because [redacted] was not present during the phone conversationsMr [redacted] did in fact threaten me in several of the verbal communications about "making me and my children homeless"This type of communication is unacceptableI am fully aware of how home improvement liens work and this is not how Mr [redacted] tried to explain the situation to meI was fully willing to work with Castle Credit but after the conversations with Mr***, I am not willing to be as openI want my balance to be withdrawn and zeroed and my credit report to reflect payment in fullI do not appreciate the way I was spoken to and how Castle Credit now has just tried to wash it away when [redacted] was not present during the many verbal conversations with Mr***I was threatened by Mr [redacted] on the phone and was even told that he Mr [redacted] did not have to follow debt collection laws so he could do whatever he wanted to do Final Consumer Response / [redacted] (4200, 11, 2014/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do NOT accept this offerThis matter is now in the hands of the [redacted] Attorney General Final Business Response / [redacted] (4000, 9, 2014/11/25) */ 11/21/ I am responding to the rebuttal case noXXXXXXXX, [redacted] - Our Account noXXXXXX Due to the claims that Ms [redacted] has made, management has extensively reviewed this account and correspondence and has also discussed it with Mr***Although Mr [redacted] does not agree with Ms [redacted] 's recounting of the conversations that transpired, we have discussed at length with him on how and why Ms [redacted] may have interpreted what was said and why she is feeling this wayWe do not take these matters lightlyWe have also taken steps to review our policies with our team and address these concerns It is clear Ms [redacted] is frustrated with this financial matterAlthough Ms [redacted] has requested that her account be zeroed out, this is not an optionWe have completely paid for the product and installation and have much invested in this loanHowever, we can again make the offer of giving Ms [redacted] a "fresh start." This means we are offering to bring the account current with the next payment of $coming due on 12/15/(We are extending the next payment due another month from our prior letter) I want Ms [redacted] to clearly understand the generosity of this offerThis offer gives Ms [redacted] the opportunity to improve her credit score by now reporting her account as current rather than 90+ days past dueAdditionally, we are offering to go back to the original monthly payment of $128.04, instead of pursing the balance in fullA current account will also no longer accrue late feesFurthermore, we will reassign this account to our manager who can personally oversee any future needs Please let me know if this will resolve the complaint and I will make the necessary adjustments to the account upon receipt of the first paymentComplete rejection of this offer would make the motivation behind this complaint questionableCertainly, we are putting forth our best effort to resolve this complaintThis is a valid debt and it is our hope that Ms [redacted] will take advantage of this offer so that we can move forward As always, please contact me directly with any additional concerns or questions Sincerely, [redacted] Account Resolution Specialist
Initial Business Response /* (1000, 5, 2015/04/08) */
I am responding to case noXXXXXXXX, *** ***Our Account # XXXXXX
Castle Credit is a finance company and our financing programs are an option for many home improvement dealersHomeSmart is an independent contractor that uses
many different lenders for their customer financing*** is not contractually obligated to finance any of their sales through Castle CreditHowever, in this case HomeSmart accepted our offer to finance Mr***'s water treatment system
The dollar amount of the financing, annual percentage rate, monthly payment and due date are clearly stated on the contractThe payments and interest have been charged in accordance with the agreement signedI have forwarded copies of the loan documents to Mr***
The contract was signed on 6/18/The terms and conditions of the loan were verified with Mr*** via his cell phone on 6/23/This verification call is a required step taken before opening a new accountWith Mr***'s approval we established the loan and paid HomeSmart in full for his purchaseOn 6/23/we sent a welcome letter which again reviewed the terms of the loan
By signing the contract Mr*** has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the property
I have spoken with Mr*** *** owner of *** Mr*** has assured me that all problems associated with this complaint have been resolvedFurthermore, that Mr*** is aware that he is past due and that he may pay this account off entirely at any time without penalty
It is our understanding that Mr*** is now satisfied and that the complaint has been resolved
As always, please contact me directly with any additional questions or concerns
Sincerely,
*** ***
Account Resolution Specialist
Initial Consumer Rebuttal /* (3000, 12, 2015/04/24) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated:
Arlington Toyota is in the process of redoing the vehicle to her satisfactionWe apologize for the issue
*** ***
RE: *** *** Purchase at Arlington Toyota
On February 7th Sara and Christopher *** came
to Arlington Toyota and purchased a vehicle.
A few days later it was discovered by an employee at Arlington Toyota
that a vehicle that had been
previously sold was in the parking lot at the
dealership. Once discovered it belonged
to the ***s Arlington Toyota called them to inform them that the vehicle they
purchased was here at the dealership.
The Florida State Law clearly states there is “No Cooling
Off” period and after a customer signs a contract the customer cannot cancel
the contract simply because they changed their mind. Arlington Toyota sympathized with the ***’s
and made an exception to the law and immediately called the banking institution
to cancel the contract to keep from a repossession showing up on the ***’s
credit
All paperwork was signed by the ***’s including the Retail
Installment Contract which includes a section labeled “Sellers Right To Cancel”
which states the seller has days to verify your information, locate
financing for you on the exact terms shown on the front of the contract, and
assign a financial institution. Not sure
what a “spot delivery scam” is meant by Mrs***, but Arlington Toyota takes
compliance of every law including the Truth in Lending Act and Chapter of
the Florida Statues very seriously. We
have many procedures in place to be sure “scams” do not happen at Arlington
Toyota
We regret we were not able to do business with the ***
family and wish them all the best in the future
I am rejecting this response because: Monday when *** *** called from Arlington Toyota at 8:58pm and asked if I could come in TuesdayI told him I was on a costly international callI could not speak with him long at that moment and I could not come in TuesdayI would be able to come in on Wednesday because it was more convenient for me because I'm a single parentI have to make sure my kids are situated after schoolI also have class Tuesday night that I must attend, he said okApproximately minutes later I began receiving calls from a area codeWhich I later for out was ***I did not answer because I did not know who it was and I was still on the phoneAt approximately 10:35p.mI realized I had a text message that was sent at 9:58p.mfrom *** saying he was ALREADY in route to my homeA few moments later I received another call from *** *** saying that there is a salesman circling my neighborhood trying to find my residenceAt the very moment I was terrified because I'm a single mother and I had my children with an addition of four others in my home alsoI told *** *** to tell him do not come to my homeI am not comfortable with this situation I will be in on Wednesday like I advised him earlierHe said ok BUT I really need your signature for the paperwork that needs to be turned in first thing in the morningThe paperwork was for the bankThey approved G.a.pbut they did not approve the 100,mile extended warrantySo my monthly bill would be cheaperInstead of me paying $a month my bill would be $a monthAgain I told him I understand his needs but do not send anyone to my homeHe said ok. At no time did I say it was ok! There is no way neither of the two could/should have assumed that sending a man to the home of a single mother would be ok at 10:45p.mespecially after I had clearly stated to *** *** twice already not to send anyone to my homeHe said ok both times. At 10:45p.m*** arrived to my homeThe kids were terrified and ran in my room saying there is a stranger outsideI looked out the window and he started yelling saying I need you to sign these papersI was speaking through the window and then open the door for him to get a clear understanding for him to leave my home immediately it's not ok, it never was ok and it would never be ok for him to come to my home everShortly afterwards I received a phone call from *** (which was on speaker phone) the attorative disrespectful manner of his voice sent us all into immediate fearHe demanded me to open my doorAnd sign the papers or else he was going to come get his vehicle back that night I said do not come back to my house tonightI will bring your vehicle back to you tomorrow in return for my carHe said ok and disrespectfully hung up the phone.When I arrived the next day, I spoke with ***I told him I didnt like the way they unprofessionally conducted business by sending a man to my home at 10:and nightNor did I approve of how he called me disrespectfully demanding me to open the door to sign a paper and threatening me that he was going to come get his vehicle backSo that's why I was there the next day that day to bring the vehicle back for the vehicle exchange as per Mr*** statement, due to the fact that I didn't sign the documentsHe asked if I had all of my things out of the vanAs if they were going to bring my car around for meThen he tried to bribe me with $for me too take the van and leaveI continued to say no I just want my car back and I never want to do business with you people againHe then came back and said you should have taken the $and leftNow your not getting your car or the $I followed him outside to *** *** then said ain't that right *** she don't get her car back do sheTell her that car is ours because she signed it over to us, *** agreedI then asked what happened to the paper that they needed me to sign so bad that it couldn't wait until WednesdaySince I didn't sign the paperAll of the paperwork isn't complete so therefore I should be able to get my car back*** stated he no longer needed me to sign any papersHe made a few phone calls that morning and everything I agreed to Saturday night is the paperwork that went throughEverything is fine and they don't need my signature for anything.They never showed me the paperwork that they needed my signature for that nightSo therefore there was no way I could refuseI still stand without clear understanding on why Mr***'s appearance at my resistance was necessary
Regards,
*** ***
To Whom It May Concern:Arlington Toyota's finance department was able to negotiate better terms for Mrs*** then what she had originally agreed to and signed up at the time of the sale (This is a common practice because every finance deal cannot be negotiated with our banks before the customer
completes their transaction at the dealership). On December 1, both the sales person, ***, and the finance manager were under the impression that the customer, *** ***, was OK with Arlington Toyota coming to her house in order to re-sign paperwork that was in favor of Mrs***. Once the sales person arrived and realized Mrs*** did not want to interact with the the sales person, he quickly apologized and left her house. When Mrs*** came to the dealership on Tuesday December 2, she declined to sign the paperwork with the better terms. Arlington Toyota apologizes for any miss-communication with Mrs***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that as long as the transaction has been canceled, then this resolution is satisfactory to me.
Regards,
*** ***
Initial Business Response /* (1000, 5, 2015/03/19) */
I am responding to case noXXXXXXXX, *** ***Our Account # XXXXXX
Castle Credit is a finance company and our financing programs are an option for many home improvement dealers*** of *** is an independent contractor
that uses many different lenders for their customer financing*** of Atlanta is not contractually obligated to finance any of their sales through Castle CreditHowever, in this case *** of Atlanta accepted our offer to finance Mr***'s water treatment system
The dollar amount of the financing, annual percentage rate, monthly payment and due date are clearly stated on the contractThe payments and interest have been charged in accordance with the agreement signedI have forwarded copies of the loan documents and an account activity report to Mr***
The contract was signed on 12/7/The terms and conditions of the loan were verified with Mr*** via his cell phone on 12/10/This verification call is a required step taken before opening a new accountWith Mr***'s approval we established the loan and paid *** of *** in full for his purchaseOn 12/13/12, we sent a welcome letter which again reviewed the terms of the loan
By signing the contract MrMr*** has given us a security interest in the product financedWe have opted to perfect our interest by filing a UCC-Financing StatementThis UCC-Financing Statement is common in the home improvement business and poses no problem whatsoever unless the intention was to sell the home without honoring the loan that improved the property
Mr*** account is now currentHowever, timely monthly payments were not received and late fees were addedMaking timely monthly payments will ensure that no additional late fees will be addedIn fact, we offer auto payments free of chargeAuto payments will ensure that the monthly payment is drawn directly from his bank account on the same day each monthOur monthly billing statement indicates the amount of time it will take to satisfy the debt if the customer continues making the minimum paymentAdditionally, based on the status of the loan projects an estimate of the amount of interest and principal paid
Please know that we have no prepayment penaltiesMr*** can always pay more each month and the extra dollars would be applied directly to the principal balance decreasing the length of the loan and the interest chargedThe minimum monthly payment due is $per month
We appreciate Mr*** concerns and we are glad that he inquired about his loanIt is our hope that this information will help him understand that timely payments will ensure that additional late fees will not be addedKeeping the account current will enable Mr*** to take advantage of our no prepayment penalty optionPaying a higher dollar amount each month will significantly reduce the balance, decrease the amount of interest charged and shorten the length of the loan
As always, please contact me directly with any additional questions or concerns
Sincerely,
*** ***
Account Resolution Specialist
Initial Consumer Rebuttal /* (3000, 7, 2015/03/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Mr*** *** did not exactly respond to the questionsHe beat around themNever did I mention anything about late fees and you are disclosing my personal finance information, my payment history is not what is in questionYour business practices areAside from your inability to spell my name correctly
Your interest rates are insaneI have paid over $2k into this loan and only $has been credited to my principleThat is a loan shark
It is no surprise, a simple google search of this company will show that their practices are taking advantage of many people who accept a loan with them
It is MY hope that this business is investigated fully and that what I have actually paid in to this loan, is credited to my account
I will not accept anything else and I will keep this case open as long as possible to get an acceptable offer on a payoff because at the moment, what is being offered is a rip off
Final Business Response /* (4000, 9, 2015/03/20) */
I am responding to case noXXXXXXXX, *** ***Our Account # XXXXXX
The payment history of the account directly effects how the monthly payments are applied to the outstanding balanceFor example, if there are any outstanding late fees, your payment will apply to them first
Our monthly statement indicates the amount of time it will take to satisfy the debt if the customer continues to make the minimum monthly paymentAnd based on the status of the loan projects an estimate of the amount of interest and principal paidOur customers may increase their monthly payments to lessen the dollar amount of interest charged and the length of the loan
Our UCC-Manager, spoke with Mr*** todayShe will work directly with Mr*** to resolve any issues and concerns regarding the UCC-Financing Statement
We apologize for any misunderstanding and are committed to helping resolve the issueIt is our hope to resolve this complaint and to help Mr*** move ahead with his home financing plans
As always, please contact me with any additional questions or concerns
*** ***
Account Resolution Specialist
Initial Business Response /* (1000, 5, 2015/01/19) */
I am responding to case noXXXXXXXX, *** ***Our account noXXXXXX
While stationed at *** *** *** Castle Credit provided financing so that Mr*** could purchase a *** Vacuum System from *** Distributing of ***
*** We contacted Mr*** on 4/07/to verify the term and conditions of the contact he signed on 4/5/During this call Mr*** stated that he was the co- applicant on the loan and his intention was to help his roommate obtain credit to purchase the vacuumWe explained to him that this loan was in his name alone, that he would be responsible for making all the payments and that the credit history would be reported to the credit bureaus under his name aloneTherefore, his roommate's would not benefit from any credit reportingWe referred Mr*** back to *** Distributing for clarification of his purchase
Mr*** contacted *** Distributing and they confirmed exactly what we had told himOn 4/10/14, we reverified the terms and conditions of the loan with Mr***He stated that he wanted to help his roommate Michael with the purchaseWe again, very clearly explained that this account was in his name alone and that the credit history would be reported to the credit bureaus under his name onlyHe stated that he wanted to purchase the vacuum for his roommateTherefore, with his permission we established the loan and paid *** Distributing in full for his purchase
This first payment was scheduled and received on 5/15/via bank draftWe have not received any dispute regarding the drafting of this first paymentHowever, the next two monthly payments were rejected due to NSFTypically, with fraud the payments would have been rejected due to a stop payment or unauthorized paymentAdditionally, Mr*** had made promises to bring his account current as recent as August,
On 10/29/14, Mr*** called in from cell phone XXX-XXX-XXXX which is one digit off the cell number listed on his credit applicationThe phone number on his credit application and the phone we verified the sale with Mr*** is XXX-XXX-XXXXMr*** now is claiming that his identification was stolen while at *** *** and that he did not sign the contractWe emailed a fraud packet to him on 10/30/On 12/05/we received an incomplete fraud package back from Mr***There was no filed police report and he claimed to have no knowledge of the circumstances surrounding nor the person who committed the forgery
In the complaint Mr*** states that his cell phone number was listed for his social security numberThe credit application clearly lists Mr***'s cell phone and social security number in the proper placesPlease know that this loan was approved based on a successful verification, proper paperwork and credit information we obtained by running Mr***'s social security number
Finally, on 12/19/we received an email from Mr*** containing forms of identificationOne is his State of *** Drivers license issued 9/26/and the other is a *** Community College Identification CardBoth in his name with different signatures and different photo'sBy providing us with one valid and one fraudulent identification card we can only assume that Mr*** had full knowledge of this loan and actively participated in getting the loan processedMost alarming is his possession of fraudulent identificationIt is apparent that Mr*** alone or with another person participated in defrauding Castle Credit of funding dollars we paid to *** Distributing for his purchase
I urge Mr*** to call and make arrangements to avoid any additional legal fees charged in the collection of this debtThis is a legal and binding contract and we will pursue collection of this debt
As always, please contact me directly with any additional questions or concerns
Dave ***
Account Resolution Specialist
I am in receipt of the complaint from Mr***lMr***l financed the vehicle thru a third party sourceArlington Toyota does not issue and disbursements until the funds are clearedMr***l has received a refund of $This was completed on We apologize for the
confusion. *** ***
Initial Business Response /* (1000, 5, 2014/11/04) */
I am responding to case no. XXXXXXXX, [redacted].
Ms. [redacted] was listed on a credit application provided to us by [redacted]. Castle Credit has been trying to reach Mr. [redacted]. Our initial research uncovered that the phone...
number listed in the complaint was a possible contact phone for Mr. [redacted]. Therefore, our account representative left a message at this number. Shortly thereafter, our account representative called both references listed on the application without realizing that she was calling Ms. [redacted]'s phone number for a second time. The other reference was [redacted].
During this second call, our representative spoke to a women who identified herself as the grandmother of Mr. [redacted]. I am assuming that this women was [redacted] We would not know to ask for [redacted] as she was not listed on Mr. [redacted] application. However, Ms. [redacted] asked our representative to immediately call back so that she could have Ms. [redacted] or Mr. [redacted] pick up the phone, as they were both home. Our representative did as instructed but was unable to make contact after dialing the phone number. Thinking perhaps the phone was disconnected by mistake, she immediately called again. The woman that answered the phone did not identify herself but stated not to call this number again. No calls were placed to this phone number after being instructed not to call again.
There would be no reason for Castle Credit to threaten a credit reference. Again, our intention was to establish contact with Mr. [redacted] via the phone numbers he provided to us on his credit application. It is our hope that this will clear up any misunderstanding regarding the phone calls we placed to this phone number.
As always, please contact me directly with any additional questions or concerns.
Sincerely,
[redacted]
Account Resolution Specialist
[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]
Complaint: 11390323
I am rejecting this response because:
Good Afternoon [redacted],The reason I am expecting a refund is because I was lied to about the fuel injector being broken as well as the knock sensor being broken.I originally took my truck into rpm for diagnosis which they let me know my truck fuel injector wasn't working properly and that it should be covered under warranty which is the reason I took it to your location. Once I got there I asked [redacted] if they could do a full diagnostic of what was wrong with my vehicle which he let me know the fee would disapere if I got it fixed. I left him my rpm paper work becuas I figured that would help him diagnose the vehicle, apparently this was a mistake since it seems no diagnostic was ever done. What I think is really funny is that I have 2 different stories know on how my fuel injector cable was broken, [redacted] told me the mechanic broke it and now you are telling me the mechanic found it broke. I would assume in a diagnostic you would find the cable broke. It's seems like everytime I call over there I get a different story from your service team, I do suggest that when they lie to the next customer they all get on the same page to reduce the amount of confusion.And I still expect a refundRegards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:It would be impossible for me to delay repairs to the vehicle for over a month until I could get it to [redacted]. The vehicle was taking in water from improper repairs done to the roof before I purchased the vehicle. I've now been without a vehicle for almost a month while it has been getting repaired at my local [redacted] dealership in [redacted]. I was forced to file an insurance claim to cover the costs of the needed repairs that Arlington refused to "participate" on. [redacted] of [redacted] would not even guarantee that they would fix my vehicle had I postponed said repairs and brought it to them 598 miles from where I live. I will be filing a formal complaint with [redacted] and seeking legal recourse if Arlington continues to show no desire to acknowledge and address the fact that I was sold a damaged vehicle.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: The business has refused to respond to the most significant part of my complaint, which is the fact that they misrepresented the condition of the...
Certified Pre-Owned Vehicle I purchased. According to the Toyota Certified website, a certified pre-owned vehicle is:
Vehicle is free of improper paint repairs or mismatched color
The front bumper has been repainted and is not an exact match. The reason this wasn't noticed immediately was due to the poor lighting on the day we bought the vehicle. In the sunlight, the two shades are completely different. This difference will have a $3,000 difference in price at time of resale, and as such, the (2) $50 gift cards provided by Arlington Toyota barely make up for the gas we've spent driving back and forth trying to get this resolved. On Saturday, when we picked up the car, they didn't have the courtesy to fill up the gas tank. This is after countless trips to [redacted] and dozens of emails, texts and phone calls. The overspray has been buffed out of the body and is no longer present. They also fixed the issue with the glove box which was covered by warranty.Regards,
[redacted]