Your Door Guy

? [redacted] , ? I apologize for any inconvenience or misunderstanding this issue has caused.? Your payment was processed for $493.92.? The full amount of $was applied to your account.? You left a message on my voicemail and I returned your call on 8/27/and I haven’t heard back from you.? You can call me directly at [redacted] at any time, if I am NOT available I will return your call as soon as possible.? We report every month to [redacted] which is one of the three major credit bureaus.? However, if there is a discrepancy on what is being reported or NOT being reported to your credit report, you need to file a dispute directly with them by calling [redacted] .? Your loan is a simple interest loan and your payments are being applied to interest and principal.? Again, you may contact me directly and I will be more than happy to answer any questions you may have.? Furthermore, We have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve.? Please be assured your experience with us will be different the next time we communicate ?

We at California Auto Finance strive to provide excellent service to all our customersWe regret that you feel we fell short in this caseHowever, after careful review of your account, and your complaint, we have determined that these allegations are either inaccurate or without meritWe always try to work with our customers with arrangements that are acceptable to both parties. We like to inform and educate our customers with any negative credit rating that might occur in regards to payment history and patterns. We apologize for any inconvenience or discomfort our calls might have caused you We have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve and ensure that all of our calls are always conducted professionally abiding by the FDCPA. While we cannot prove or disprove your claim, we assure you your experience with us will be different the next time we communicate. Lastly, please contact me directly as I would like to discuss this further with you and offer you some options to possibly help you avoid paying a late fee and minimize the calls. Please call me at your earliest convenience at [redacted] Thank You [redacted] California Auto Finance Collections Manager [redacted]

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
[I am not satisfied with this response with the simple fact that I indeed call in for the full pay-off amount in which was paid off completelyIt was then after the car was paid off, that there were extra charges added to my account without my knowledge and continued to accrue interestThe multiple times I called in was why when I asked for a complete pay-off amount, why extra charges were added without a phone call the same dayIt was always a pain to call in and get a hold of someone who could help other than just telling me there was an unpaid charge addedI had to reach out to a family member to help with this situation and be forced to pay for something that was mislead and not informed to me in a timely manner! You do not go adding charges to an account and not notify the person the same day that it happened so they can address it thenI called in for a pay-off amount in which I have paperwork showing it was paid-off and a little over $100+ overpaid, then extra charges added on with no notifications, seven days later! So, yes, when I requested the pay-off amount on 07/10/2013, I was provided that information and paid that amountIf your rep did not think to add in the cost of the extra charges, that is not my concern, that sounds like a fault of the rep.]
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
[I had been calling *** *** since the first day she responded to the complaint, today 9/14/five days later she answers the phoneWe talked for close to mins and was unable to resolve the issueHer idea of a resolution was that I pay $this monthMY MONTHLY PAYMENT IS ALREADY $and she said it as if she was doing me a favorShe just kept making hypothetical statements and ignored the factsI asked to speak with her boss and she put me on hold for minutes by that time I realized that they weren't interested in any resolution]
Regards,
*** ***

Ms***,
I have address this issue with all representatives
involved. I assure you the next time we communicate your experience will
be different
Again, please contact me directly as I would like to discuss this
further with you and offer you an apology and discuss other options to possibly
help you avoid paying a late fee and minimize the calls. Please call me
at your earliest convenience at ***
Sincerely,
*** ***
California Auto Finance
Collections Manager
*** *** ***
*** *** ***

Ms***, Our company strives to provide excellent service to all of our customers, current or notWe have on-going training for all our customer service representatives to ensure they treat our customers with the respect they deserve. After careful review of your account, we have
determined your allegations to be inaccurate or without merit. You did NOT pay off your loan on 7/10/2013. You made a payment but it was not enough to pay off your account. You called our office on 8/13/and you agreed to pay the remaining balance on your account of $369.19. You never paid! On 10/2/you called again saying you could not believe there was accrued interest charged to your account. The representative explained that you have a simple interest loan and you accrue interest on a daily basis on the outstanding balance as stated on your contract. Again you called our office on 02/11/asking for the balance on your account. We gave you a payoff amount of $626.94. You still did NOT pay! On 8/3/we received full pay off. Your account is now paid in full. There is NO amount in dispute. Your title will be mailed to you within day from when payment was received. If you have any further questions, please feel free to contact me directly 714-399-***. We assure you your experience with us will be different the next time we communicate *** *** California Auto Finance Collections Manager *** *** ***
*** *** ***

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
[It's sounds great but if you look at my records I have not been late time until the car broke down which was at the end of the year in The disrespect that I have received is ridiculous and further more the calls a day is out of control I have stated several times I WILL NOT accept any phone calls while I am at work and the numerous calls to my references are out of control as well You always get your money They car is inoperable and I am still paying on it So I will not accept the excuse of lack of training or me being behind on payment Things happen in people's lives good bad or indifferent but a customer should NEVER be treated like a dead beat or worse have racial innuendos thrown at them.]
Regards,
*** ***

?
*** ***,
?
I apologize
for any inconvenience or misunderstanding this issue has caused.? Your
payment was processed for $493.92.? The full amount of $was applied
to your account.? You left a message on my voicemail and I returned your
call on
8/27/and I haven’t heard back from you.? You can call me
directly at *** at any time, if I am NOT available I will return your
call as soon as possible.? We report every month to *** which is one
of the three major credit bureaus.? However, if there is a discrepancy on
what is being reported or NOT being reported to your credit report, you need to
file a dispute directly with them by calling ***.? Your loan is a
simple interest loan and your payments are being applied to interest and
principal.? Again, you may contact me directly and I will be more than
happy to answer any questions you may have.? Furthermore,
We have on-going training for all our customer service representatives
to ensure they treat our customers with the respect they deserve.? Please
be assured your experience with us will be different the next time we
communicate
?

We
at California Auto Finance strive to provide excellent service to all our
customersWe regret that you feel we fell short in this caseHowever, after
careful review of your account, and your complaint, we have determined that
these allegations are either inaccurate or without meritWe
always try to work
with our customers with arrangements that are acceptable to both parties.?
We like to inform and educate our customers with any negative credit rating
that might occur in regards to payment history and patterns.?
We
apologize for any inconvenience or discomfort our calls might have caused you
We have on-going training for all our customer service representatives to
ensure they treat our customers with the respect they deserve and ensure that all of our calls are always conducted professionally
abiding by the FDCPA.? While we cannot prove or disprove your
claim, we assure you your experience with us will be different the next time we
communicate.?
Lastly,
please contact me directly as I would like to discuss this further with you and
offer you some options to possibly help you avoid paying a late fee and
minimize the calls.? Please call me at your earliest convenience at
***
Thank
You
*** ***
California Auto Finance
Collections Manager
*** *** ***
*** *** ***