Veros Credit

Veros Credit has been in contact with Ms. [redacted] regarding her concerns, and the pending issues against our office have been resolved.  However, Veros Credit does not have sufficient evidence to confirm or dispute what conversations occurred between the dealer and Ms. [redacted] with regard to the...

vehicle and auto loan.  Our office considers this matter to be resolved since Ms. [redacted] has confirmed she was pleased with our investigation and result.

Pursuant to Mr. [redacted] RISC, the account will fall into default when a payment is not made on the date agreed to in the contract.  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.  Mr. [redacted] frequently failed to make his payments by the agreed upon due date; therefore, Mr. [redacted] incurred fourteen (14) late charges out of the twenty-seven (27) payments Mr. [redacted] made towards his account.  To accommodate Mr. [redacted], Veros Credit granted three extensions (or deferments) and provided two due-date changes, which enabled Mr. [redacted] to remain in the vehicle.              Notwithstanding the above, Veros Credit will provide any statement containing account information to our customers such as late fee charges, interest accrued, or account balance due.  Mr. [redacted] received monthly statements via regular US Mail and has the option of receiving and viewing statements online.  Mr. [redacted] is encouraged to contact our office so that we may provide him a full detailed accounting of her payment history and discuss any questions he may have.              Veros Credit strives to provide excellent customer service to its customers and its representatives are prohibited from communicating in a rude or unprofessional manner.  We appreciate Mr. [redacted] input and we are looking into whether additional customer service training needs to be provided to any of our representatives that were in direct communication with Mr. [redacted].

Dear Dispute Department:
            This letter is in
response to yours, dated July 31, 2014, regarding a complaint filed by the
above-referenced customer.    
Veros Credit has...

been attentive to Mr.
[redacted]’s request regarding the title of his vehicle. This issue has been
resolved with the customer directly. Mr. [redacted] can reach me directly at (714)
210-6974 if he would like additional assistance with his account. I look
forward to working with him.
Thank you for your
consideration of the information above. 
Please do not hesitate to contact me if you have any questions or
comments as to the foregoing.
Sincerely,
                                                                                                [redacted]
                                        ...⇄ Customer
Service Liaison
                                        ...⇄ Veros
Credit, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have denied the letter for many reason. I spoke with Mr. [redacted] on Monday January 25, 2016 at 11:45am for 22 mins. My husband was alongside with me during the call, and overheard everything, that Mr. [redacted] was explaning. I went into details first about my account  because that was the first thing that Mr. [redacted] wanted to discuss. Then after the conversation I asked Mr. [redacted] if we could then discuss the complaint I have filed with the Revdex.com. I explained to Mr. [redacted] that I had been receving threatining phones from different reps. I speciafically stated one of the reps that threatened my husband and I. I gave Mr, [redacted] the reps name and the date. Mr. [redacted] had stated to me that the had no proof of the call because they had been deleted after a certain length of time. The phone call dealing with the Rep was back in December on the 22nd of 2015. I then complained to the supervisor, who at that time was Mr. [redacted]. I explained to him about the situation, hoping that situation would be handled. Seems nothing was done about it. Yes I have kept in contact with veros credit dealing with my account. They threatened my mother and sister numerous of times. Ive asked for the company to not contact my mother nor my sister about my account and they then stated I was for sure not going to get anymore phone calls going forward to my family. Yet then they still were receiving phones calls from veros credit and now my husband. Plenty of times Ive had to step outside while on the clock at work to deal with the matters. Getting written up at work for doing so. The threats didn't have to be made. The letter from the company I will not accept.  Further action needs to be taken. Im looking into getting the attorney general involved. This company has to stop. Ive read numerous of reviews from other customers and all complaints are the same. Something has to be done .
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am just receiving this information for some reason, I guess it went into spam, but Veros credit is not telling the truth, but I guess it is a case of the little fish and big fish? If Revdex.com were to go to veros complaint board on their website, you will see that there are about 3 and 1/2 of pages of complaints, and all of the complaints are virtually saying the same exact thing. Yes, it is true that on 2 occasions that I paid $200 instead of the full amount of $298, but I was not 90 days behind as they said, nor was I even 60 days behind, but that is neither hear nor there. This company lies, calls from their personally cell phones, using profanity, that is one of the main reason I requested them not calling me, trust me, there was nothing courteous about ANY of their calls Again, just look at their website.
Regards,
[redacted]

Dear Complaints Department:
 
This communication is in response to a
rebuttal to Veros Credit’s response to [redacted] Revdex.com (“Revdex.com”)
complaint with the following complaint ID #: [redacted]. Below is an outlined
response to Ms. [redacted]’ complaint.
 
Account Balance
 
As stated in Veros Credit’s initial response,
Ms. [redacted]’ monthly payments due and owing to Veros Credit were adjusted once
Ms. [redacted] provided Veros Credit with proof of insurance which in effect
cancelled the insurance Veros Credit placed on the vehicle.  The unearned premiums were refunded on a
pro-rata basis, and Ms. [redacted]’ payment was adjusted to an amount of $468.02
due and owing on the 3rd of each month.  The earned premiums remain on the account for
the time period in which Ms. [redacted] was insured, and are spread throughout her
remaining payments under the contract.
 
In this case, after Ms. [redacted] cancelled her insurance policy, she
made two consecutive payments without taking into account the additional
insurance costs that were amortized throughout the life of the loan.  Ms. [redacted] was informed by a Veros Credit
representative of her adjusted monthly payment amount following the receipt of
her insurance documents.  The partial
payments caused her account to fall into default and therefore incur a late
charge.  
 
Contact with Veros Credit
 
Ms. [redacted] stated that Veros Credit has not
responded to correspondence that she sent to Veros Credit’s Customer Service
Department.  However, in Ms. [redacted]’
email, she requested that Veros Credit refrain from contacting her by way of
telephone.  This request was granted and
as a result, Veros Credit has only communicated with Ms. [redacted] by mail and the
Revdex.com website portal.  If Ms. [redacted] would
like to remove her request for no contact she may do so by contacting Veros
Credit and requesting the same in writing.
 
            Ms. [redacted] is welcome
to contact Veros Credit if she has any further 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

Payment Processing               Mr. [redacted] scheduled a payment by phone with a representative of Veros Credit on September 16, 2017, with the understanding that the payment would be processed at a future date.  The representative...

failed to flag the payment issued by Mr. [redacted] appropriately and his payment was processed before the scheduled payment date that he requested.  Since the time that Mr. [redacted] brought this to our attention, we have made several attempts to reach Mr. [redacted] to resolve any fees he may have incurred due to the subject transaction.  As of the date of this letter, Mr. [redacted] has yet to make contact with our office.  We strongly recommend that Mr. [redacted] contact our office at his earliest convenience so that we may work together to resolve the pending matter.    Customer Service                Veros Credit strives to provide excellent customer service to its customers and its representatives are prohibited from communicating with its customers in a rude or inappropriate manner.  We appreciate Mr. [redacted]’s input and we are looking into whether additional customer service training needs to be provided to the representatives involved in this matter.  Again, we encourage Mr. [redacted] to stay in contact with our office to assist with future needs.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
In first case, ms [redacted] isn't my last name it's [redacted]. The car was not repossessed I voluntarily ask for them to come pick up the vehicle. Which took 3 days to do..after then of stating I no longer wanted to deal with their company they kept on calling and another repSpoke to my husband and also treated and talked to him as if he were stupid after the company had already came to pick up the vehicle.I again states I did not want the car back and I was Already informed on what the next steps were going to be speaking with Mrs Bertha. They kept on pushing me to take the car back and I kept telling them I did not want it back and they kept pushing the issue of me having the car back.this company needs to be shut down...I've read many reviews and all consumers are stating the same facts as I am...this company are liars and will take whatever they can from you. They know they had reps call and make threats but then states there's no evidence again I am going to take leagal matters against this company something needs to happen.cusotmers cannot as myself be tortured and nothing is done about it. How many cusotmers out there have gone through my situations and issues with this company? And no justice is served with this company. It's cruel and unfair to people that pay a lot of money to these people and to be treated like trash and garbage? Again leagal matters we'll be taken against this company and also a petition of all the customers that has gone through this company and has been nothing but problems threats and issues. 
[redacted]

Dear Complaint Department:
 
            This communication is
in response to a business complaint filed on July 9, 2015, by Ms. [redacted]
[redacted] with the following complaint ID#: [redacted]. 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 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.  Ms. [redacted] is encouraged to stay in contact
with Veros Credit's customer service department to assist with future needs.  Below I have outlined Veros Credit’s response
to Ms. [redacted]’s concerns addressed in her complaint.  
 
Vehicle Insurance  
   Veros Credit entered into a retail
installment sale contract with Ms. [redacted], under which it was agreed to that:
 
"You agree to buy property insurance on
the Vehicle protecting against loss and physical damage and otherwise
acceptable to us." . . . "If you fail to obtain or maintain this
insurance . . .  we may obtain insurance
to protect our interest in the Vehicle . . ." . . ."We will add the
premium for this insurance to the amount you owe us.  Any amount we pay will be due
immediately.  This amount will earn
finance charges from the date paid at the rate described in the FINANCE CHARGE
AND PAYMENTS section until paid in full."
 
            Veros Credit did place
insurance on the above referenced vehicle after it was verified by the
insurance company that that the insurance was cancelled due to
non-payment.  After an investigation,
Veros Credit has confirmed that Ms. [redacted] currently has valid insurance on
the subject vehicle, and as a result, Veros Credit has canceled her force
placed insurance and updated her account balance to reflect the reimbursement
of fees placed on her account associated with the force placed insurance.  
 
Increased Account Balance
 
After a review of Ms. [redacted]’s account, it
was discovered that there are multiple non-sufficient fund charges, late fees,
and partial payments which have increased her account balance throughout the
life of her account.  Further, in March
2015 Ms. [redacted]’s vehicle was repossessed as a result of her account becoming more
than 60 days delinquent. The repossession fees that incurred were added to her
account balance.
 
Veros Credit often works with its customers
to provide payment alternatives specifically tailored to the customer's
individual needs, including extensions and deferments of payments.  Ms. [redacted] was provided a due date change that
will be effective August 1, 2015 in order to assist during her financially
difficult times.  Ms. [redacted] is strongly
encouraged to continue to communicate with this office should she find herself
in need of further assistance.   
 
Credit Reporting
 
            Under the Fair Credit
Reporting Act, Veros Credit has an obligation to report accurate information to
the credit bureau.  As stated above, Ms.
[redacted]’s records indicate that she has 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. 
 
Repo Agency
 
Lastly, contrary to what Ms. [redacted] stated
in her complaint, Veros Credit is not affiliated with the business that stored
her repossessed vehicle.
 
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

Customer Service Issues               Veros Credit strives to provide excellent customer service to its customers and its representatives are prohibited from communicating in a rude or unprofessional manner.  We appreciate **....

[redacted] input and we are looking into whether additional customer service training needs to be provided to any of our representatives that were in direct communication with **. [redacted].    Discrimination Claim               Our office does not treat any customer less favorably than other customers, at any point during the life of the loan.  We found no evidence that **. [redacted] was discriminated.  To the contrary, **. [redacted] was granted accommodations on her account to assist her during two separate financial hardships.    Denied Payment Options Claim               According to **. [redacted] RISC, the account will fall into default when a payment is not made on the date agreed to in the contract.  **. [redacted] account fell into default on November 22, 2016.  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.  **. [redacted] contacted our office on December 13, 2016; she informed us that she was having financial difficulties to make her payment.  We immediately offered **. [redacted] an extension to bring her account current due to her hardship, which was granted on December 13, 2016.  Two months later, **. [redacted] defaulted on making her payments yet again.  We attempted to contact **. [redacted] for more than 30 days—with no success.  Due to the lack of communication by **. [redacted], our office was reviewing to have the account assigned for repossession.  When **. [redacted] contacted our office on February 21, 2017, **. [redacted] explained that her financial difficulties had not improved and she could not make a payment on her account that was already past due.  Our office approved a second extension in 90 days to again assist **. [redacted] through her financial issues.  In the complaint issued by **. [redacted], **. [redacted] stated that our office failed to provide payment options.  This is not true.  We have accommodated **. [redacted], even reducing or eliminating costs to aid in the extension process.  **. [redacted] account is currently in good standing, with the assistance granted by our office, and we encourage **. [redacted] to remain in contact with our office to assist with any future needs.  Tell us why here...

On December 20, 2016, our office received a check from a third party to pay off [redacted]s account.  When a payoff check is received by a third party, our office inquires as to who should receive title for the subject vehicle.  Typically, a third party will secure an Authorization Form...

from the customer to have the title released to the third party.  In this particular case, there was no Authorization Form signed by the customer.  However, our office contacted the third party involved on January 16, 2017 and received verbal authorization to release title for the subject vehicle to [redacted]l.  The third party is a business—owned by [redacted]s relative—who is assisting [redacted]l.                Once our office received verbal authority to release title to [redacted]l, our office electronically filed the title release through the [redacted] Department of Motor Vehicles (“[redacted]”).  It must be noted that [redacted]l purchased the subject vehicle in the state of [redacted], and then later moved to the state of Utah.  The [redacted] had no knowledge that [redacted]l had moved to Utah, since she did not report the change of address.  This was an oversight by all parties involved, including [redacted]l.  Therefore a paper title request would have been futile since the title would have been sent to the wrong address.  However, the title release was completed electronically through the [redacted] and Veros Credit is no longer appearing as a lien holder.  [redacted]l can obtain a paper title at any time by going to any [redacted] and requesting the title.  Since [redacted]l has relocated to Utah, this option is not realistic.  However, to appease [redacted]l, our office has issued a formal request for a paper title to be mailed to her address in Utah.  This request was done via overnight mail to the [redacted].  [redacted] has stated that the request—although expedited—will take 2-3 weeks to process.  We encourage [redacted]l to contact the [redacted] to seek updates regarding the release of the paper title to her vehicle. Tell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted],I appreciate the response, but there were a lot of untruths all through the information that Veros sent. I want it to be clear that the reps were not telling the truth and the company did not take responsibility for ANY of their actions. The fact that I received calls from the reps is not the real issue here, after I was placed on the do not disturb list, I did receive calls fro veros, using a private or blocked number and the language that was used was very strong and rude, hanging up in y face, talking over me was the part that I was upset with. I feel that because I contacted Revdex.com, is the reason they repossessed my car, and without good reason, just because they felt like it. As I looked on their website, there are at least 3 pages of the exact same complaints. I know that it was my responsibility to make timely payments on the vehicle, but this was just wrong. If the calls are truly monitored for training purposes, then I suggest maybe listening to some of those calls and hear how the reps are treated the customers. In addition, there is no reason for e to keep in contact with this company just based on the treatment alone.
[redacted]

Dear Complaints Department:
 
This communication is in response to a RevDex.com complaint filed on August 10, 2015, by [redacted] with the
following complaint ID#: [redacted].  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 out. Below
is an outlined response to Ms. [redacted]’ complaint.
 
Customer Service
 
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. [redacted]’ input
and is looking into whether additional customer service training needs to be
provided to our representative.  Ms.
[redacted] is encouraged to stay in contact with Veros Credit's customer service
department to assist with future needs. 
 
Convenience Calls
           
Pursuant to Ms. [redacted]’ vehicle retail
installment contract, her account will fall into default when a payment is not
made on the date agreed to in the contract. 
Ms. [redacted]’ payment is due on the 3rd of each month. 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.  Ms. [redacted] frequently failed to
make her payments by the agreed upon due date and as a result, Veros Credit
began reaching out to Ms. [redacted] to offer payment plan assistance. 
 
Motor Vehicle Insurance
 
Ms. [redacted] stated that she has been
erroneously charged for insurance placed on the above mentioned Vehicle.  The motor vehicle retail installment contract
signed by Ms. [redacted] stated:
 
"You agree to buy property insurance on
the Vehicle protecting against loss and physical damage and otherwise
acceptable to us." . . . "If you fail to obtain or maintain this
insurance . . .  we may obtain insurance
to protect our interest in the Vehicle . . ." . . ."We will add the
premium for this insurance to the amount you owe us.  Any amount we pay will be due
immediately.  This amount will earn
finance charges from the date paid at the rate described in the FINANCE CHARGE
AND PAYMENTS section until paid in full."
 
            Veros Credit did place
insurance on the above referenced vehicle after Ms. [redacted] failed to do so, in
order to protect its interest.  The
premium for the insurance was then amortized over the life of the contract, at
the contract interest rate, and Ms. [redacted]’ payment was adjusted from the
original amount of $430.25 to an amount of $484.25 due and owing on the 3rd
of each month.
 
Once Ms. [redacted] cancelled the policy and
provided Veros with proof of insurance, the unearned premiums were refunded on
a pro-rata basis, and Ms. [redacted]’ payment was again adjusted to an amount of
$468.02 due and owing on the 3rd of each month.  The unearned premiums remain on the account
for the time period in which Ms. [redacted] was insured, and are spread throughout
her remaining payments under the contract.
 
In this case, after Ms. [redacted] cancelled her insurance policy, she
made two consecutive payments of her original monthly payment amount without
taking into account the additional insurance costs that were amortized
throughout the life of the loan. The partial payments caused her account to
fall into default and therefore incur a late charge. A due date change could
possibly benefit Ms. [redacted], and she is encouraged to contact Veros Credit and
discuss her options.
 
            Ms. [redacted] is welcome
to contact Veros Credit if she has any further 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

Attached please find our formal response to the consumer's complaint. Ms. [redacted]’s RISC required her to make timely payments on her account. She failed to do so. Pursuant to the RISC signed by Ms. [redacted], Veros Credit has the authority to repossess the vehicle in the event that the account...

falls into default. Our office assigned this account for repossession on May 2, 2016 after we learned from Ms. [redacted] that payments towards this account would not be forthcoming. The subject vehicle was repossessed for nonpayment on May 3, 2016. To accommodate Ms. [redacted], we allowed her to reinstate the account while accepting less than what was owed. Ms. [redacted] reinstated her account on May 6, 2016.    The communications between Ms. [redacted] and our office were courteous conversations.  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. We cannot advise our agents to start “pressuring” customers to make payments, as Ms. [redacted] has requested, but she is encouraged to stay current on her account and remain in communication with our office if she cannot do so.

Dear Complaint Department:
 
            This communication is
in response to a business complaint filed on June 22, 2015, by Mr. [redacted]
with the following complaint ID#: [redacted]. 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 out.
 
            The refund that was
due and owing to Mr. [redacted] was a result of Springleaf Financial Services’
overpayment.  Due to the overpayment, it
was necessary that Veros Credit investigate the account to ensure that no fraud
was evident.  On May 28, 2015, a refund check
was issued and mailed to Mr. [redacted].  On
or around June 22, 2015, Veros Credit became aware that Mr. [redacted] had not
received his refund check and after a review of his account, the Accounting
Department promptly issued a second refund check and mailed it to Mr.
[redacted]. 
 
Veros Credit representatives were
unsuccessful in their attempts to contact Mr. [redacted] to confirm that he had
received his reissued refund check.  A
letter was mailed to Mr. [redacted] on July 6, 2015 as a final attempt to contact
Mr. Saran and Veros Credit has not received a response. 
 
            Further, Veros Credit
strives to provide excellent customer service to its customers. Veros Credit
representatives would never communicate with its' customers in a rude or
inappropriate manner.  
           
               At this time, Mr. [redacted]'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) [redacted].  Thank you for taking the time to contact
Veros Credit.
 
Sincerely,
 
                                        ...⇄ Veros
Credit, LLC

Account Balance                Ms. [redacted] receives monthly statements from Veros Credit regarding her account, which she acknowledged in her complaint when she attempted to secure a payoff balance.  Each monthly statement...

provided by Veros Credit is equipped with a disclaimer that states, “Account balance may not include accrued interest.”  Ms. [redacted] did not confirm her balance which included accrued interest and a late charge.  A copy of the Payment History is enclosed as Attachment 1.  Ms. [redacted] contacted Veros Credit on July 25, 2017 to obtain an updated payoff amount, which was higher than her last statement.  Unfortunately, Veros Credit received a check from Ms. [redacted]’s insurance company on July 31, 2017 that was significantly less than the payoff Ms. [redacted] was quoted on July 25, 2017.  The current balance remaining on Ms. [redacted]’s account is correct and she is delinquent.  We recommend that Ms. [redacted] contact Veros Credit to make payment arrangements on her remaining balance.  Veros Credit can offer payment options such as extensions, payment modifications, and other options.    Customer Service Issues               Veros Credit strives to provide excellent customer service to its customers and its representatives are prohibited from communicating in a rude or unprofessional manner.  We appreciate Ms. [redacted]’s input and we are looking into whether additional customer service training needs to be provided to any of our representatives that were in direct communication with Ms. [redacted].

We regret that Ms. [redacted] is not satisfied with the level of service that she received from our office.  We are looking into whether further training is needed for our representatives.  Although we are disappointed that Ms. [redacted] does not want to retain the subject vehicle, we still encourage Ms. [redacted] to stay in contact with our office to assist her with any future needs.   Sincerely,  [redacted]Director of Compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
So, we finally  received our refund check on June 26, 2015.  I promptly deposited it in our checking account and yesterday received a notice from our bank that the check was returned for stop-payment.  Along with withdrawing the funds from the account, the bank also charged us $10.00 for the transaction.  I immediately phoned Veros compliance dept. and spoke with [redacted] who informed me that another check would be issued but not covering the return fee of $10.00.  She stated that they made 3 attempts to call us, no answer.  When asked if they attempted to leave a message she stated they did not.  My wife is home every day and we have dual answering services, one with our cable provider and another home answering machine.  So, to repeat, we are not happy with the "so-called" attempt by Veros to resolve this issue.
Regards,
[redacted]

Dear Dispute Department:
            This letter is in
response to yours, dated October 8, 2014, regarding a complaint filed by the
above-referenced customer. ...

  
            Veros Credit is
currently investigating Mr. [redacted]’s claims. Veros Credit takes identity theft
very seriously, and will immediately take steps to resolve this issue pending a
full and thorough investigation. Thank you for bringing this to our attention. Mr.
[redacted] can contact Veros Credit directly at [redacted] if he would like
additional assistance with his account. We look forward to working with him.        
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.
Sincerely,
 
                                        ...⇄ Veros
Credit, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I would first like to start off by saying VEROS CREDIT is full of BS and are extremely rude on the telephone, they're extremely rude and unprofessional and have no telephone etiquette what so ever and second of all I have tried on numerous occasions to change my payment due date to the 15th of the month and was denied. Also I even tried getting a payoff quote so that my loan could be paid off so that I wouldn't have to deal with these ignorant group of people and I also was advised after I made my car payment that my vehicle was out for REPO and that I was three months behind which is a bunch of BS. They deleted my payment history from their online system, but each time I made a payment I always paid with my DEBIT card so I have all the proof that I need. So please explain to me what did they do to resolve this matter/ Nothing and I will not be satisfied until I SUE the pants off of them for failing to practice FDCPA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! The only way to resolve this matter is to give me my PAYOFF amount and I will be DONE with this FRAUDULANT COMPANY.
Regards,
[redacted]