Veros Credit

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[As stated in my prior email, the payments referenced as days late were not lateThe company agent applied the payments after days of receiptThe evidence is clear and the account ledger provided by Veros Credit jn addition to my bank account statements confirm thatPerhaps, the respondent should thoroughly review the complaint along with the supporting evidence prior to issuing a responseThis is one of the primary reasons that this company has poor customer relations and is rated below averageThe respondent should know that although this complaint may not be resolved with the Revdex.com, additional measures will be taken against them for their illegal credit reporting actions
Regards,
*** ***

Ms*** RISC requires her to make timely payments on her account. Furthermore, Ms*** is required to keep the subject vehicle from encumbrances and liens. On or around February 14, 2018, our office received a notice from Five Star Registration that a lien would be placed
against the vehicle for unpaid storage. Our office contacted Five Star Registration and recovered the vehicle by paying the outstanding fees created by Ms***. Concurrently, our office mailed the required Notice of our Plan to Sell Property (“NOI”) to Ms***, once we took possession of the vehicle on March 7, 2018. The NOI Ms*** received indicates the location of the vehicle; therefore, Ms*** was aware of where the vehicle was currently being stored. The NOI expired on March 23, 2018, yet our office continued to reach out to Ms*** to offer payment options that would enable her to remain with the vehicle. According to the NOI, Ms*** had an amount due totaling $2,047.34, which needed to be paid for Ms*** to redeem the vehicle. Ms*** allowed the NOI to expire and she failed to stay in communication with our office to convey her intentions regarding the subject vehicle. Once Ms*** did contact our office, we decided to allow her to redeem the vehicle for less than what the NOI demanded. Ms*** was notified of the location of the vehicle at the time of the arrangement. It was not until after she paid the reduced amount required to redeem the vehicle that she realized she could not make suitable arrangements to pick up the vehicle herself. Our office did not attempt to conceal the location of the vehicle, nor deceive Ms*** in any fashion. Contrary to her claims, we have diligently worked with Ms*** by provided options that enable her to remain with the vehicle. Notwithstanding the above, our office remains amenable to offer options that would enable Ms*** to recover her vehicle from the location it is being stored. We encourage Ms*** to contact our office so we find a solution that best fits her needs

Dear Complaint Department:
This communication is
in response to a rebuttal to Veros Credit’s response to Ms***’ RevDex.com complaint with the following complaint ID #: ***
As stated in Veros
Credit’s initial response, during the time that Veros Credit was unable to
reach Ms***, skip trace activity was carried out and reported to credit
reporting agencies. Veros Credit has
since been able to contact Ms*** and therefore her credit report has been
updated to reflect that Veros Credit was able to locate Ms*** Veros Credit was and is accurately reporting
to the credit bureaus Attached to this
response is an Experian bullseye report showing that the unable to locate
remark code no longer appears on Ms***’ credit report
Lastly, Ms***’ decision to voluntarily
surrender her vehicle does not have an effect on the disputed remark code
Please do not hesitate
to contact Veros Credit if you have any questions or comments as to the
foregoing at (714) 210-6913. Thank you
for taking the time to contact Veros Credit
Sincerely,
Veros
Credit, LLC

Dear Complaint Department:
This communication is
in response to a business complaint filed on April 3, 2015, by *** ***-***
with the following complaint ID#: ***The details of this incident
were
forwarded to the Veros Credit, LLC Compliance Department where a full and
thorough investigation into this matter was carried out
Veros Credit strives to provide
excellent customer service to its customers and its representatives would never
communicate with its customers in a rude or inappropriate manner. Veros Credit appreciates Ms***-***'s
input and is looking into whether additional customer service training needs to
be provided to our representative. Ms***-***
is encouraged to stay in contact with Veros Credit's customer service
department to assist with future needs.
On April 3, Ms***-***
requested her account payoff amount from Veros Credit which was provided to
her. At the time of the requested payoff,
Ms***-*** had an overage of $that was calculated into the total
payoff amount which in effect reduced her payoff amount Further, the payoff amount that was provided
to Ms***-*** was valid for days and the account was not paid off
until April 15, Therefore there was unaccounted-for interest and late
charges that were due and owing on Ms***-***'s account. As a courtesy, Veros Credit waived the remaining
balance on this account
Lastly, under the Fair
Credit Reporting Act, Veros Credit has an obligation to report accurate
information to the credit bureau. Our
records indicate that Ms***-*** made multiple late payments during the
life of her account with us. Accordingly,
it appears that Veros Credit’s credit bureau reporting was and is
accurate. For your records, Veros Credit
has provided you with a copy of Ms***-***'s
Accounting Ledger. At this time, Ms***-***'s account has
been fully paid and the matter has been resolved.
Please do not hesitate
to contact Veros Credit if you have any questions or comments as to the
foregoing at *** ***. Thank you
for taking the time to contact Veros Credit
Sincerely,
Veros
Credit, LLC

Ms***’s claim that no one attempted to reach her after she initiated contact is not true. Ms*** notified our office on August 5, that she would no longer like to receive courtesy calls regarding her account. Our office accommodated Ms*** by placing her phone
number on a Do Not Call List that prohibits a Veros Credit employee from calling the number. However, Ms*** made several calls to our office due to the recent activity on her account involving the subject vehicle. Ms*** made a total of five (5) calls to our office between the dates of December 21, and December 23, 2016. Ms*** left several voice mails requesting that someone from our office return her calls. Ms*** contradicted her previous request for “No Calls” by making several requests to receive a call by someone in our office. To appease Ms***’s requests, a return call was made by our office to Ms*** on December 23, at which Ms*** indicated that she had no intention of redeeming the subject vehicle after repossession. Pursuant to Ms***’s RISC, the account will fall into default when a payment is not made on the date agreed on in the contract. Ms*** admitted in her complaint to the Revdex.com that she was making partial payments towards her account. Due to the number of partial payments made on her account, the account became delinquent by more than days. Once an account has defaulted, Veros Credit attempts to contact its customer to offer payment options, such as extensions, temporary payment reductions, or due date changes. However, due to the request made by Ms*** to cease calls, we could not contact Ms*** to offer the payment options stated herein. Our office mailed correspondence to Ms*** on December 23, containing instructions on how to redeem the vehicle. The correspondence mailed to Ms*** was returned to our office by the US Post Office, indicating that the address we have for Ms*** is no longer valid. When Ms*** still communicated with our office regularly, we assisted Ms*** during her financial hardships. Ms*** requested and received a total of three extensions to accommodate her needs. She received extensions on July 21, 2015, July 8, 2016, and again on October 14, 2016. Our office encourages Ms*** to stay in contact with our office so that we can assist her with any further needs

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[As far as the accuracy and honesty in the statements Given by veros credit; they are still questionable. Rude and innapropriate: List of reviews and complains on yelp can prove otherwise. Statements by my relatives and friends can be shared as they also had representatives Harrass them SHOWS LACK OF EXCELLENT CUSTOMER SERVICE Vehicle insurance: contract currently shows $versus statement amount of $ 478.00 I continues to contact veros credit for a consecutive of days and was told that amount would remain with additional $after having appropriate insurance.Credit reporting: Payment was made on 3/and repossessed month after = Total of 30-days versus days Repossession agency: The agent that provided information and collected the vehicle stated he worked directly under veros credit He also stated he had followed me the night prior and yelled " stop lying to me I know you were at lake vista " The same agent also trespassed my mothers gated property and knocked in the middle of the night and threatened her.]
Regards,
*** ***

Veros Credit is required to report information accurately to CRA’s. Ms*** frequently failed to make her payments by the agreed upon due date and as a result our office was required to report the repossession to the CRA’s. Furthermore, Ms*** did not remain in communication with our
office regarding the deficiency balance remaining on her contact. For a period of almost three years, Ms*** refused to return calls or respond to correspondence from our office, so we could offer payment options on her outstanding balance. The last communication our office had with Ms*** was November 21, 2013. Furthermore, we could not locate Ms***, and the last payment received was in 2013. Our office reported to the CRA’s that Ms*** was unable to be found. On August of 2016, Ms*** surfaced and called our office to issue a complaint against the Unable to Locate (“SCNL”) code she found on her credit report. We explained to her that the code was accurate since we had no communication with Ms***, nor did we know her whereabouts. Ms*** believes that the SCNL code infers that the disposition of the subject vehicle is in question. This is not true. According to Experian, a major credit reporting agency, the SCNL code is defined as, “Credit grantor cannot locate consumer”. Therefore, Ms***’s account is being reported accurately. Notwithstanding the above, our office will report Ms***’s account as SCNL LOC as a courtesy to Ms***. The SCNL LOC code is defined as, “Consumer now located/Was credit grantor could not locate consumer”. Although, we are amenable to assist Ms***’s reporting issues, we strongly recommend she contact our office to make suitable arrangements on her account oto prevent future unfavorable reporting’s, as our office is required to report accounts accurately

Dear Complaint Department:
This communication is
in response to a business complaint filed on May 7, 2014, by *** ***
with the following complaint ID#:The details of this incident were
forwarded
to the Veros Credit, LLC Compliance Department where a full and
thorough investigation into this matter was carried out
On April 8, 2015, Veros
Credit was contacted by Ms*** regarding a payoff amount for her account
A payoff amount is valid for days
following the date that it is provided Until
the account has been paid off by the customer, or in some cases by a dealer, the
account remains active.
In this case, Ms
*** was provided a payoff quote on April 8, The account was not paid
off within days that it was issued.
Ms*** was contacted by a Veros Credit representative to inquire
about the payoff as her account had fallen delinquent. A second payoff quote on the account was provided
on May 8, 2015. The payoff check was
received by Veros Credit shortly thereafter Ms***'s account fell into default
between the time that the first payoff quote was provided to her and the date
that Veros Credit was provided a payoff check from the dealership regarding her
trade-in.
With regard to the actual payoff amount being
higher than the amount initially quoted, Ms*** signed a simple interest
motor vehicle retail installment contract which accrues interest at a rate
agreed to in the contract signed by Ms***. As a result of the time that passed between
the date of the initial payoff quote and the date of the payoff of the account
by the dealership, the account accrued additional interest and late charges
Additionally, it is not Veros Credit's
practice to disclose account information to a third party. If any third party was contacted it was for
the sole purpose of obtaining location information for Ms***. However, her file has been noted not to
continue any such contact as requested. Veros
Credit strives to provide excellent customer service to its customers and its
representatives would never communicate with its' customers in a rude or inappropriate
manner. Veros Credit appreciates Ms
***'s input and is looking into whether additional customer service
training needs to be provided to our representative.
At this time, Ms***'s account has been
fully paid and the matter has been resolved.
Please do not hesitate to contact Veros Credit if you have any questions
or comments as to the foregoing at (714) 210-6913. Thank you for taking the time to contact
Veros Credit
Sincerely,
Veros
Credit, LLC

March 26, VIA Revdex.com Website Customer: ***, *** Vehicle: Mercedes-Benz E320, *** Account #: *** Dear Complaint Department: This communication is in response to a Revdex.com complaint filed on August 6, by *** *** with the following complaint ID#:
***The details of this incident were forwarded to Veros Credit, LLC's Compliance Department where a full and thorough investigation into this matter was carried outVeros Credit strives to provide excellent customer service to its customers and its representatives would never communicate with its customers in a rude or inappropriate mannerVeros Credit appreciates Mr***' input and is looking into whether additional customer service training needs to be provided to our representativeMr***' request to restrict Veros Credit from contacting him has been grantedPlease be advised that restricting calls to Mr*** may require alternative actions in the event that the account falls into defaultAdditionally, it is not Veros Credit's practice to disclose account information to a third partyIf any third party was contacted it was for the sole purpose of obtaining location information for Mr***Mr***' request to restrict Veros Credit from contacting third party references has been grantedIn certain situations, circumstances may arise in which Veros Credit may not grant a due date change, including but not limited to a situation where a due date change has already been applied to the account, the due date change exceeds days beyond the original due date, or the customer's account is delinquent at the time of the requestIn this case, Mr***' account was delinquent at the time of the request and Veros Credit informed Mr*** that his account must be brought current in order to grant his due date changeVeros credit also offered to waive the fee associated with making a payment over the phone and Mr*** declinedVeros Credit offers many options to assist its customers through financial hardships, including extensions, and temporary payment reductionsVeros Credit has made several attempts to work with Mr*** and he is strongly encouraged to continue to communicate with customer service should he find herself in need of assistancePlease do not hesitate to contact Veros Credit if you have any questions or comments as to the foregoing at *** ***Thank you for taking the time to contact Veros CreditSincerely, Veros Credit, LLC

Dear Dispute Department:
This letter is in
response to yours, dated August 23, 2014, regarding a complaint filed by the
above-referenced customer.
Ms***’ request for
a due date change was approved and processed on August All fees accrued are
the responsibility of the customerWe offer several different methods for payment, Ms*** is welcome to mail her payment to
P.OBox 11914, Santa Ana, CA if that is more convenient for herMs
***’ account is currently past due, and Ms*** is strongly encouraged to
contact our office to discuss options to bring her account currentMs*** can contact Veros Credit directly at *** *** if she would like
additional assistance with her accountWe look forward to working with her
Thank you for your
consideration of the information above.
Please do not hesitate to contact us if you have any questions or
comments as to the foregoing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***in the end I lost all my money everything I invested in the car my credit is messed up I gain nothing from this situation My car wasn't supposed to be taken in the 1st place

VIA U.SMAIL
Revdex.com Dispute Resolutions
Attn: Dispute Department
Viewridge Ave#
San Diego, CA
Re:Destiny ***
Account***
Case#:***
Dear Dispute Department:
This letter is in response to yours, dated October 1, 2014, regarding a complaint filed by
the
above-referenced customer
Veros Credit is currently investigating Ms***'s claimsIfthere is an issue,
Veros Credit will immediately take steps to resolve itThank you for bringing this to our
attentionMs*** can contact Veros Credit directly at (714) 210-if she would like
additional assistance with her accountWe look forward to working with her
Thank you for your consideration of the information abovePlease do not hesitate to
contact us if you have any questions or comments as lfrthe foregoing
Sincerely,
Veros Credit,LLC

Customer Communications According to Mr*** RISC, he agreed to pay $on the 18th of every month, beginning February 18, 2016. Mr*** was perpetually delinquent on his account, and made several partial
payments. Mr*** did not maintain communication with our office as indicated in his complaint, nor did he make the effort to resolve this matter before we assigned the account for repossession. Our office made every attempt to reach out to Mr*** and offer payment options to resolve his delinquent account. In return, Mr*** made random partial payments without any communication as to when he could make his full payment(s). Repossession Fees At the time of repossession, Mr*** was delinquent by more than three payments on his account. The amount needed for Mr*** to redeem the subject vehicle included a fee for repossession; however, an overwhelming majority of the amount needed for Mr*** to redeem his vehicle comprised of past due payments that he did not make timely. There were no other fees added to his account. We spoke to Mr*** after the vehicle was repossessed on December 7, 2016, and Mr*** refused to discuss redemption of the subject vehicle. Mr*** only concern was retrieving his personal belongings from the vehicle. After Mr*** made it abundantly clear that he was no longer interested in redeeming the subject vehicle, we assigned the collateral to a public auction for sale. The sale amount is based on the year, condition, and mileage of the vehicle. Our office does not determine the sale price in auction; however, we attempt to maximize the sale amount. Any proceeds from the sale were applied to Mr*** account, after sale expenses are deducted. The proceeds from the sale did not resolve Mr*** account; therefore, a balance is still owed. If Mr*** is interested in resolving his account, we can offer payment options that best suit his current hardship

Dear Complaint Department:This communication is in response to a complaint filed on August 5, 2016, by MsKimberly *** with the following case number: ***The details of the complaint were forwarded to the Veros Credit's Compliance Department where a full investigation into this matter
was carried outThis letter shall serve as our formal response.Ms*** purchased a Toyota Camry Solara (“Vehicle”) in February, from Swag Southwest Automotive Group, IncThe retail installment sale contract (“RISC') was thereafter assigned to Veros Credit.Ms*** stated in her complaint that she was harassed and she claims that information regarding her account was disclosed to unauthorized third partiesAll are discussed below.Pursuant to Ms***’s RISC, the account will fall into default when a payment is not made on the date agreed to in the contractOnce an account has defaulted, Veros Credit attempts to contact its customer to offer payment optionsMs*** frequently failed to make her payments by the due date and as a result, Veros Credit began to reach out to MsBurton to offer assistance and/or payment optionsVeros Credit strives to provide excellent customer service to its customers and its representatives are prohibited from communicating in a rude or inappropriate mannerTo accommodate Ms***, our office will take action to ensure that Ms***'s phone number is not calledSpecifically, we will place Ms***'s phone number on a Do Not Call List which prohibits her number from being called by a Veros Credit employee.Additionally, it is not Veros Credit's practice to disclose account information to a third partyIf any third party was contacted it was for the sole purpose of obtaining location information for Ms***However, her file has been noted not to continue any such contact as requested

March 26, VIA Revdex.com Website Customer: ***, *** Vehicle: 2008, Scion TC, *** Account #: *** Dear Complaint Department: This communication is in response to a Revdex.com complaint filed on February 4, by *** *** with the following complaint ID#:
***The details of this incident were forwarded to the Veros Credit, LLC Compliance Department where a full and thorough investigation into this matter was carried outPursuant to Ms***'s vehicle retail installment contract, the account will fall into default when a payment is not made on the date agreed to in the contractVeros Credit has the authority to repossess the vehicle in the event that the account falls into defaultPlease be advised that Veros Credit offers its customers many options to assist them including extensions, temporary payment reductions and due date changesVeros Credit offered to waive the convenience fee associated with phone payments as a courtesy and Ms*** refusedMs***'s payments are payable on the 1st of every monthA due date change could possibly benefit Ms***, and she is encouraged to contact me directly at *** *** to discuss her optionsI look forward to working with herThank you for your consideration of the information abovePlease do not hesitate to contact me if you have any questions or comments as to the foregoingSincerely, Veros Credit, LLC

March 26, VIA Revdex.com Website Customer: *** *** Vehicle:2004, Toyota Sienna, *** Account #: *** Dear Complaint Department: This communication is in response to a Revdex.com complaint filed on February 4, by *** *** with the following complaint ID#:
***The details of this incident were forwarded to Veros Credit, LLC's Compliance Department where a full and thorough investigation into this matter was carried outPursuant to Ms***'s vehicle retail installment contract, the co-buyer is responsible for paying the entire debtIn this case, Ms***'s daughter, *** ***, is the co-buyerVeros Credit has not garnished the wages of Ms*** or her daughterPlease be advised that Veros Credit offers its customers many options to assist them including extensions, temporary payment reductions and due date changesVeros Credit has already assisted Ms*** during her financial hardship by adjusting her monthly payment amount due and owing on the 30th of each monthShe is encouraged to contact me directly at *** *** to discuss further optionsI look forward to working with herThank you for your consideration of the information abovePlease do not hesitate to contact me if you have any questions or comments as to the foregoingSincerely, Veros Credit, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.This is exactly why I have issues with this company all they do is lieI never am late on my payments I have always made my payments on timeThey call me the day my payment is due as early as 9am harassing about my payment the day it is dueThey are extremely rudeI have insurance on the vehicle and they have the proof I emailed it many timesMy problem is with them telling me in June and July of that my payment was decreased to and that I just needed to pay the and they would adjust my account because there was a differenceI later spoke to a manager that said I was shorting my payments intentionally and my account was in collectionsI HAVE NEVER shorted my payments I paid WHAT THE COMPANIES EMPLOYEES were telling me to payI then paid the 91$ after I was harassed everyday about itIt was not my mistake it was the companies mistakeI have also emailed the customer service department of Veros credit this month of August about my payment showing I owe 538$ and I have not been contacted backI also called and left a voice message for a suspervisor to be emailed back about my issue and have not received anything back resolving the issue because my payment should only reflect the amount which is supposed to be my payment now with my insurance addedI am so tired of the lies and bad business from this company and would like this problem solved sooner then laterI have tried to settle this with the company and they refuse to even contact me backAll the response back from them was liesThey don't know what goes on with their own business.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
The problem is that they are still holding the car and I have property in the car I'm content with them refusing to do business but where is my vehicle they put a repo on my credit and charging me storage fees every day

Ms*** account was reassigned to the selling dealer. Veros Credit is no longer has an interest in the contract involving Ms***. With regard to Ms*** issues regarding the selling dealer, Ms*** is encouraged to contact the dealer to resolve her issues
Tell us why here

Dear Ms***, We are currently working directly with the customer to resolve her complaint. The customer is in possession of the vehicle in question and we are waiting for some information from the customer that will enable us to further assist her needs. Once this matter is
resolved, we will formally respond to the complaint with the Revdex.com. Thank you for allowing additional time If you have any questions, please don’t hesitate to give me a call. Thank you. Sincerely, *** ***Director of ComplianceVeros CreditDirect: 714-***-***Fax: 714-***-***m***@veroscredit.com