Initial Business Response /* (1000, 5, 2015/04/22) */
I am responding to case no. XXXXXXXX. [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 seriously. Please note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct this. From time to time, customers notify us of such errors, and we assist them by notifying the bureaus of the correct information. We have requested that the credit bureau report this loan as always current. Additionally, we have forwarded a letter stating that the loan is for a secured home improvement loan and not a mortgage. Castle 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 financed. We have opted to perfect our interest by filing a UCC-1 Financing Statement. This UCC-1 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. Please refer to the Security
language located on the back of the contract. Just 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 reporting. We appreciate Mr. [redacted] for his timely payment history and for his patience while we worked to correct the reporting. It 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 /* (3000, 7, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Most of the issue was resolved. I 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 /* (4000, 9, 2015/04/29) */
4/28/2015
I am responding to the rebuttal for case no. XXXXXXXX. [redacted]. Our Account XXXXXX.
Every customer is very important to us, and we take data reporting very seriously. Please note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct this. From 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, 2014. 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 bureaus. In 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 bureaus. A merged credit report is usually created by a third-party company that specializes in merging credit reports for mortgage companies. Such companies pull reports from all three of the reporting bureaus and then merge, or combine, them into a single report. Unfortunately, sometimes merged reports will contain inaccurate information. In 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 improvement. This letter will serve as proof that the loan is not a mortgage.
Again, we appreciate Mr. [redacted] for his dedication to his credit rating. It 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
[redacted] came to Arlington Toyota on January 20, to
purchase a [redacted]. The incentives that
were available at the date of purchase were $1,dealer cash OR 0% for 36, 48, or months or 1.9%
for months. The dealer cash is money
from the
manufacturer to the dealer which the dealer can then choose to keep
for the store or pass on the savings to the customer which is what we do with
our customers including Mrs[redacted]. The
MSRP of the vehicle Mrs[redacted] purchased was $31,669.00. The price that Mrs[redacted] paid was
$27,169. Even after reducing the price
by $1,the purchase price is still considerably lower than the MSRP. This is the price Mrs[redacted] agreed to with
Arlington Toyota. Because a customer's
rate has many variables Arlington Toyota has never put a rate on the worksheet
that is used to negotiate vehicle pricing between sales and the customer.
The process is to have the customer circle and sign the
worksheet once all numbers are agreed upon which was the process with [redacted]
[redacted]. Please see attachment
Arlington Toyota has a 0% tolerance rule for any fraudulent
or deceptive practices and have strict process in place to insure the safety of
our customers. We apologize for any
confusion between Mrs[redacted] and Arlington Toyota.
letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]l [redacted]
I talked to [redacted] at the collision center, set an apt.for October 5th at 3:30 pm...thank you for resolving this
Hi I would like to begin making payments like the sales man told me we would 100 dollars. Month, please send me a bill for 100 dollars a month the person who cAlled me being a complete Jack off, said their were no more options but to pay in full or pay off the 7500 in one year. That is not gonna happen, and I don't talk to you cause you have people call and haras me and that's not ok, so I will not talk to you. Send me a bill for one hundred dollars a month beginning July 1st and I'll start making payments every month that is the only way this works.. thank you Mark
here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Initial Business Response /* (1000, 5, 2015/01/19) */
1/19/2015
I am responding to case no. XXXXXXXX, [redacted]. Our account no. XXXXXX
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 $139.80. Please know there are no prepayment penalties associated with his loan. Provided 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 2013 and then again in April, May, June July and Dec of 2014. Unfortunately, missing these payments has made the status of his account continually past due. Even though he continues to make payments he is still past due for these missed monthly payments. Due 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 payments. Therefore, based on Mr. [redacted]'s previous payment history we would like to offer some help. We ask that Mr. [redacted] provide us with a good faith payment of $300.00 on or before 2/3/15. Upon receipt of this payment we are willing to give his account a "fresh Start." This means we are offering to bring his account current. Additionally, we will credit the account back $ 100.00 for late fees and reduce the annual percentage rate back to 18%. This account will then be current with the next payment of $139.80 due on 3/3/15 and every month thereafter until paid in full. A current account will no longer accrue late fees and the account will be reported favorably to the credit bureaus. Perhaps, Mr [redacted] would like to set his account up on auto payment. We can draft his bank on the same day every month to help ensure the account remains current. Or he may choose to increase his monthly payment to lessen the interest charged and length of the loan. It is our hope that Mr. [redacted] realizes the generosity of this offer. Again, all we ask is for a good faith payment of $300.00.
On 1/15/15, as per Mr. [redacted]'s request we forwarded an account activity report to him. We have no record of any previous request for this information. We 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
Complaint: [redacted]
I am rejecting this response because:Enclosed you will find an invoice for the vandalized part,...
plus labor, plus tax and a transaction printout from my credit union showing the detailing I had done at [redacted]. I went with a basic detailing, not a $150 version, it's a brand new truck.Thank you for the help,[redacted]LENS INST, Part # [redacted]....................$110.21[redacted] Labor Quote.....................$58.35[redacted] Interior Only...................$32.79Cash Tip for [redacted].....................$10.00Total Sought...............................................$211.35
Also attached are pictures one which is a picture of the saliva on the window.
Initial Business Response /* (1000, 5, 2015/01/09) */
I am responding to case no. XXXXXXXX, [redacted]. Our account no. XXXXXX.
We apologize for any misunderstanding regarding Mr. [redacted]'s account. We will adjust the payment due date to the 29th of the month to ensure that future drafts...
are properly posted to Mr. [redacted]'s account. Certainly, all late fees will be reversed.
Please know that Mr. [redacted]'s account is current and has been reported as such to the credit bureaus. The account has never been reported as past due. We 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
Arlington Toyota has been and contact with Ms. [redacted] to resolve the issue. She is decided which of the aftermarket products she would like to keep and which ones she would like to cancel. This matter should be resolved soon.
Mr. [redacted],We regret Mr. [redacted]'s dissatisfaction regarding his experience at Arlington Toyota. Mr. [redacted] brought his 2014 Tundra to Arlington Toyota on April 4, 2016. The customer presented a print out from R.P.M., an independent repair facility, stating R.P.M. diagnosed the truck as...
needing a fuel injector replacement and a knock sensor code was present. The customer did not request a diagnosis from Arlington Toyota, only authorization to replace the fuel injector. The repair was $436.15The service advisor did present a quote for the knock sensor replacement, our technician did verify the sensor code was present. The customer declined the repair. While the technician was replacing the fuel injector he noticed two small wires leading to the fuel pump were damaged. The technician repaired the damaged wires in an acceptable manner with no additional charge to the customer. The fuel injector was properly installed and working as designed. Based on my investigation I don't see why the customer is expecting a refund.[redacted] General Manager
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 $1,750 dealer cash only that the financing available was 0% for 36, 48, or 60 months or 1.9% for 72 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 /* (1000, 5, 2015/04/22) */
I am responding to case no. XXXXXXXX. [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 seriously. Please note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct this. From time to time, customers notify us of such errors, and we assist them by notifying the bureaus of the correct information. We have requested that the credit bureau report this loan as always current. Additionally, we have forwarded a letter stating that the loan is for a secured home improvement loan and not a mortgage. Castle 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 financed. We have opted to perfect our interest by filing a UCC-1 Financing Statement. This UCC-1 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. Please refer to the Security
language located on the back of the contract. Just 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 reporting. We appreciate Mr. [redacted] for his timely payment history and for his patience while we worked to correct the reporting. It 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 /* (3000, 7, 2015/04/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Most of the issue was resolved. I 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 /* (4000, 9, 2015/04/29) */
4/28/2015
I am responding to the rebuttal for case no. XXXXXXXX. [redacted]. Our Account XXXXXX.
Every customer is very important to us, and we take data reporting very seriously. Please note that occasionally all credit bureaus will experience errors processing the data, and they will work with creditors to correct this. From 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, 2014. 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 bureaus. In 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 bureaus. A merged credit report is usually created by a third-party company that specializes in merging credit reports for mortgage companies. Such companies pull reports from all three of the reporting bureaus and then merge, or combine, them into a single report. Unfortunately, sometimes merged reports will contain inaccurate information. In 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 improvement. This letter will serve as proof that the loan is not a mortgage.
Again, we appreciate Mr. [redacted] for his dedication to his credit rating. It 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
[redacted] came to Arlington Toyota on January 20, to
purchase a [redacted]. The incentives that
were available at the date of purchase were $1,dealer cash OR 0% for 36, 48, or months or 1.9%
for months. The dealer cash is money
from the
manufacturer to the dealer which the dealer can then choose to keep
for the store or pass on the savings to the customer which is what we do with
our customers including Mrs[redacted]. The
MSRP of the vehicle Mrs[redacted] purchased was $31,669.00. The price that Mrs[redacted] paid was
$27,169. Even after reducing the price
by $1,the purchase price is still considerably lower than the MSRP. This is the price Mrs[redacted] agreed to with
Arlington Toyota. Because a customer's
rate has many variables Arlington Toyota has never put a rate on the worksheet
that is used to negotiate vehicle pricing between sales and the customer.
The process is to have the customer circle and sign the
worksheet once all numbers are agreed upon which was the process with [redacted]
[redacted]. Please see attachment
Arlington Toyota has a 0% tolerance rule for any fraudulent
or deceptive practices and have strict process in place to insure the safety of
our customers. We apologize for any
confusion between Mrs[redacted] and Arlington Toyota.
[A default...
letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]l [redacted]
I talked to [redacted] at the collision center, set an apt.for October 5th at 3:30 pm...thank you for resolving this
Hi I would like to begin making payments like the sales man told me we would 100 dollars. Month, please send me a bill for 100 dollars a month the person who cAlled me being a complete Jack off, said their were no more options but to pay in full or pay off the 7500 in one year. That is not gonna happen, and I don't talk to you cause you have people call and haras me and that's not ok, so I will not talk to you. Send me a bill for one hundred dollars a month beginning July 1st and I'll start making payments every month that is the only way this works.. thank you Mark
[A default letter is provided...
here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Initial Business Response /* (1000, 5, 2015/01/19) */
1/19/2015
I am responding to case no. XXXXXXXX, [redacted]. Our account no. XXXXXX
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 $139.80. Please know there are no prepayment penalties associated with his loan. Provided 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 2013 and then again in April, May, June July and Dec of 2014. Unfortunately, missing these payments has made the status of his account continually past due. Even though he continues to make payments he is still past due for these missed monthly payments. Due 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 payments. Therefore, based on Mr. [redacted]'s previous payment history we would like to offer some help. We ask that Mr. [redacted] provide us with a good faith payment of $300.00 on or before 2/3/15. Upon receipt of this payment we are willing to give his account a "fresh Start." This means we are offering to bring his account current. Additionally, we will credit the account back $ 100.00 for late fees and reduce the annual percentage rate back to 18%. This account will then be current with the next payment of $139.80 due on 3/3/15 and every month thereafter until paid in full. A current account will no longer accrue late fees and the account will be reported favorably to the credit bureaus. Perhaps, Mr [redacted] would like to set his account up on auto payment. We can draft his bank on the same day every month to help ensure the account remains current. Or he may choose to increase his monthly payment to lessen the interest charged and length of the loan. It is our hope that Mr. [redacted] realizes the generosity of this offer. Again, all we ask is for a good faith payment of $300.00.
On 1/15/15, as per Mr. [redacted]'s request we forwarded an account activity report to him. We have no record of any previous request for this information. We 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
Complaint: [redacted]
I am rejecting this response because:Enclosed you will find an invoice for the vandalized part,...
plus labor, plus tax and a transaction printout from my credit union showing the detailing I had done at [redacted]. I went with a basic detailing, not a $150 version, it's a brand new truck.Thank you for the help,[redacted]LENS INST, Part # [redacted]....................$110.21[redacted] Labor Quote.....................$58.35[redacted] Interior Only...................$32.79Cash Tip for [redacted].....................$10.00Total Sought...............................................$211.35
Also attached are pictures one which is a picture of the saliva on the window.
Initial Business Response /* (1000, 5, 2015/01/09) */
I am responding to case no. XXXXXXXX, [redacted]. Our account no. XXXXXX.
We apologize for any misunderstanding regarding Mr. [redacted]'s account. We will adjust the payment due date to the 29th of the month to ensure that future drafts...
are properly posted to Mr. [redacted]'s account. Certainly, all late fees will be reversed.
Please know that Mr. [redacted]'s account is current and has been reported as such to the credit bureaus. The account has never been reported as past due. We 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
Arlington Toyota has been and contact with Ms. [redacted] to resolve the issue. She is decided which of the aftermarket products she would like to keep and which ones she would like to cancel. This matter should be resolved soon.
Mr. [redacted],We regret Mr. [redacted]'s dissatisfaction regarding his experience at Arlington Toyota. Mr. [redacted] brought his 2014 Tundra to Arlington Toyota on April 4, 2016. The customer presented a print out from R.P.M., an independent repair facility, stating R.P.M. diagnosed the truck as...
needing a fuel injector replacement and a knock sensor code was present. The customer did not request a diagnosis from Arlington Toyota, only authorization to replace the fuel injector. The repair was $436.15The service advisor did present a quote for the knock sensor replacement, our technician did verify the sensor code was present. The customer declined the repair. While the technician was replacing the fuel injector he noticed two small wires leading to the fuel pump were damaged. The technician repaired the damaged wires in an acceptable manner with no additional charge to the customer. The fuel injector was properly installed and working as designed. Based on my investigation I don't see why the customer is expecting a refund.[redacted] General Manager
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 $1,750 dealer cash only that the financing available was 0% for 36, 48, or 60 months or 1.9% for 72 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]