Auto Credit of Southern Illinois

Initial Business Response / [redacted] (1000, 15, 2015/07/07) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: ***@goautocredit.com The payments on this account have not been paid as agreed in the retail installment contractThey are being made by her employer through the wage assignment that Ms [redacted] has signedShe purchased an month mile service contract that covered the drive trainBrakes and alternators are not covered by this service contractIf any one has any questions regarding this account, please call me

All titles, paid contracts and keys (if available) are mailed out certified return receipt Our records indicate that the title, contract marked paid, wage assignment marked paid and keys were mailed certified on 8/16/ However, the post office does not have a record of this tracking number Unfortunately, the only remedy we have is to order a duplicate title and mail it out as soon as it is received from the state The duplicate title has been ordered As soon as it is received, we will personally deliver the package to the postal service and get a tracking number from the local postal office We will let Mr [redacted] know when we do this, as well as the tracking number If anyone has any questions, please let me know

Initial Business Response / [redacted] (1000, 5, 2015/10/23) */ I have spoken with Ms [redacted] and explained that she had a loan secured by a vehicleWe are a finance company, not a bankShe has lost her job and is unable to payI told her we would work with her on the payments for a couple of weeks while she tries to find a jobShe is to let me know if she finds employment

Ms [redacted] was approved for a vehicle loan with Auto Credit of Southern Illinois on 9/17/When a customer is approved in the store, and approval sheet is presented to them at the time of the approval This approval sheet explains the down payments to them prior to the customer even taking a test drive The sale that we ran for temperature plus tax down was ran for the month of August, 2016, so it was over when Ms [redacted] got approved The vehicles are broken out into different category of pricing To make it simple, we put different color plates on them to signify the different categories of pricing There are green, red and blue plates Down payments can vary depending on the individual approval Blue plates will typically start at down and go up from there Ms [redacted] came and looked at vehicles in our Marion location on 9/17/, but did not have enough money to put the down payment required on them at the time We are always happy to disclose down payments (we do so when we get them approved) and a pricing chart is hung in each store so there is no guess work in how much our vehicles cost She then later went to our Mt Vernon location because it was closer to her She told them that someone at the Marion store had told her $down on a blue plate We keep a database with each customer's approval and any notes of what may have happened We do not have any notes that state we had quoted that down payment We attempted to explain the down payment structure, however, Ms [redacted] was not happy and stated to us that she would prefer to purchase elsewhere There is no bait and switch attempted We will be happy to disclose any information to a customer that they request If you have any questions, please contact me at [redacted]

Initial Business Response / [redacted] (1000, 6, 2015/06/24) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: ***@goautocredit.com Mr [redacted] has had several checks returned to us for non-sufficient fundsThe $fee is due to the non-sufficient funds checks, not to turn his vehicle back onThere is never a fee imposed to enable a vehicleHe has been as late as days on a paymentHis first payments were days or more lateWe have deferred a payment to help him out of his bind with his bankWe regularly try to work with Mr [redacted] to accommodate his situationIf anyone has any questions, please feel free to contact me atXXX-XXX-XXXX

I met with Ms [redacted] today and reviewed the contract as well as the payment history to ensure she understood her financed amount, finance charges and total amount of payments When she left Auto Credit, she said she understood the contract and her payments and requested a payoff quote as of 2/15/ I explained the daily interest to Ms [redacted] and that the payoff is subject to change if it is not paid exactly on the 15th I told her to call if any other questions would arise

Ms [redacted] 's vehicle is in need of a valve cover gasket The estimate provided to us is for $ The mo/mile service contract covers the drive train The valve cover gaskets are not a covered item Ms [redacted] has also driven more than miles, so the service contract is now expired If an account is in good standing and current with Auto Credit, often times we are able to assist the customer in making payments on the repair At this time, we are not able to extend more credit to Ms [redacted] , as her account is past due with usIf you have any questions regarding this issue, please feel free to call me

Initial Business Response /* (1000, 5, 2015/11/20) */
Contact Name and Title: *** ***
Contact Phone: XXXXXXXXXX
Contact Email: ***@goautocredit.com
We had made many attempts to contact Mr*** prior to nowWe did not actually talk to him and his wife until we went to their house to see
why we had not received a paymentWhen we talked to them about using their taxes to catch the account up, we were only trying to provide a payment solutionWe have picked the vehicle up at their request
Initial Consumer Rebuttal /* (3000, 7, 2015/11/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted this company before my phone got shut off and before I left the hospitalTo explain the situation I tried to give the car back in august since I couldn't pay for it I told them I was trying to do the right thing and they told me they didn't want the car back and they would not come get it My parents even talked to these people on the phone and told them the situationWith my father being a sgt major in the army they lied to him about my car and told him that they were not coming to pick it upSo that is a lie and I can prove everything I sayI can get phone records from where I talked to this company before I left the hospital telling them I couldn't pay and that they could have the car back since I couldn't pay for it.I still believe this is preadatory lending and want this off my credit reportI am going to file a complaint with the attorney generals office to coincide with this one also

We have spoken to *** *** She has chosen to return the vehicle to us and sign the title over in lieu of having to finish out the terms of the contract We agreed that we would not deem the return a voluntary repossession and she would not have to make any more payments She
brought the vehicle to us and signed the title If you have any questions, please contact me at ***

Initial Business Response /* (1000, 5, 2015/06/25) */
Contact Name and Title: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@goautocredit.com
We have honored Mr***'s request to credit his account for his paymentI have attempted to contact Mr*** to inform him of this,
but have been unable to reach himIf anyone has any questions regarding this matter, please feel free to contact me

Ms [redacted]'s vehicle is in need of a valve cover gasket.  The estimate provided to us is for $385.27.  The 18 mo/18000 mile service contract covers the drive train.  The valve cover gaskets are not a covered item.  Ms. [redacted] has also driven more than 18000 miles, so the service...

contract is now expired.   If an account is in good standing and current with Auto Credit, often times we are able to assist the customer in making payments on the repair.  At this time, we are not able to extend more credit to Ms. [redacted], as her account is past due with us. If you have any questions regarding this issue,  please feel free to call me.

We have reached out to [redacted] in regards to the beeping and changing his due date to the 10th.  The car only beeps when the payment is late.  When paid on time, or when a past due account is caught up,  the beeping stops.  We have requested documentation supporting his pay date...

change, and we will be happy to change them when he provides us with that documentation. He has requested the dates change to coordinate with his GI Bill pay dates. His current documentation states the GI bill does not continue past December 2017.  We have requested a revised letter stating it will continue.  His payments are currently set up to coordinate with is regular job.

Initial Business Response /* (1000, 15, 2015/07/07) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@goautocredit.com
The payments on this account have not been paid as agreed in the retail installment contract. They are being made by her employer through...

the wage assignment that Ms. [redacted] has signed. She purchased an 18 month 18000 mile service contract that covered the drive train. Brakes and alternators are not covered by this service contract. If any one has any questions regarding this account, please call me.

Initial Business Response /* (1000, 7, 2015/08/17) */
Mr. and Mrs. [redacted] brought their vehicle to Auto Credit of Southern Illinois on Saturday, August 8, 2015 and stated that she did not want the vehicle. I talked to her and explained that we would like to help her figure out why it sometimes...

would start, and sometimes would not. We assisted her in the cost of multiple trips to a mechanic to try various things. She left the vehicle and both sets of keys she had to the vehicle. It told her I would once again have our shop look at the vehicle at no charge to her to see if we could figure out the intermittent starting issue. I had our technician look into it last week, and we discovered that there was one factory Ford key, and one that was an aftermarket key. When we started the vehicle with the factory Ford key, it would start every time. When you tried with the one that was not factory, it would not start. Every time you attempt to start the car with the non Ford key, it will put an anti-theft code in the computer. When we hooked the car to a scanner, we could see many anti-theft codes in it. I called Mrs. [redacted] on Friday as promised and explained the situation to her and that our shop was sure this was the issue. She said she was in a vehicle and would have to call me back. I have not heard back from Mrs. [redacted], and she has not come to pick her vehicle up at this point. If you have any questions regarding this matter, please feel free to call me.

Ms. [redacted] did indeed purchase a Pontiac G6 from [redacted] on 9/30/2016.  This vehicle was financed with Auto Credit of Southern Illinois.  The garage that her vehicle was looked at is an independent mechanic’s shop that is not owned by either [redacted] or Auto Credit...

of Southern Illinois.  They did not recommend fixing anything that was dangerous at that time.  She wrecked her vehicle shortly thereafter.  There is no evidence that the two issues were related.  She did not have any insurance on her vehicle, so the Collateral Protection Insurance that is carried through an outside insurance company that protects the loan evaluated her vehicle.  They deemed it a total loss.  There is a remaining balance 6903.07 on the loan.  The mechanic is not “our” mechanic.  If Ms. [redacted] has an issue with the mechanic, then I suggest she talks to [redacted] Automotive.  If you have any questions, please let me know.  I can be reached at [redacted].

Ms [redacted] was approved for a vehicle loan with Auto Credit of Southern Illinois on 9/17/16. When a customer is approved in the store, and approval sheet is presented to them at the time of the approval.  This approval sheet explains the down payments to them prior to the customer even taking...

a test drive.  The sale that we ran for temperature plus tax down was ran for the month of August, 2016, so it was over when Ms [redacted] got approved.  The vehicles are broken out into different category of pricing.  To make it simple, we put different color plates on them to signify the different categories of pricing.  There are green, red and blue plates.  Down payments can vary depending on the individual approval.  Blue plates will typically start at 1500 down and go up from there.  Ms. [redacted]  came and looked at vehicles in our Marion location on 9/17/16 , but did not have enough money to put the down payment required on them at the time.  We are always happy to disclose down payments (we do so when we get them approved) and a pricing chart is hung in each store so there is no guess work in how much our vehicles cost.  She then later went to our Mt Vernon location because it was closer to her.  She told them that someone at the Marion store had told her $800 down on a blue plate.  We keep a database with each customer's approval and any notes of what may have happened.  We do not have any notes that state we had quoted that down payment.  We attempted to explain the down payment structure, however, Ms. [redacted] was not happy and stated to us that she would prefer to purchase elsewhere.  There is no bait and switch attempted.  We will be happy to disclose any information to a customer that they request.  If you have any questions, please contact me at [redacted].

Initial Business Response /* (1000, 5, 2015/10/23) */
I have spoken with Ms. [redacted] and explained that she had a loan secured by a vehicle. We are a finance company, not a bank. She has lost her job and is unable to pay. I told her we would work with her on the payments for a couple of weeks...

while she tries to find a job. She is to let me know if she finds employment.

All titles, paid contracts and keys (if available) are mailed out certified return receipt.  Our records indicate that the title, contract marked paid, wage assignment marked paid and keys were mailed certified on 8/16/16.  However, the post office does not have a record of this tracking...

number.  Unfortunately, the only remedy we have is to order a duplicate title and mail it out as soon as it is received from the state.  The duplicate title has been ordered.  As soon as it is received, we will personally deliver the package to the postal service and get a tracking number from the local postal office.  We will let Mr. [redacted] know when we do this, as well as the tracking number.  If anyone has any questions, please let me know.

I met with Ms. [redacted] today and reviewed the contract as well as the payment history to ensure she understood her financed amount, finance charges and total amount of payments.  When she left Auto Credit, she said she understood the contract and her payments and requested a payoff...

quote as of 2/15/17.  I explained the daily interest to Ms. [redacted] and that the payoff is subject to change if it is not paid exactly on the 15th.  I told her to call if any other questions would arise.

Initial Business Response /* (1000, 6, 2015/06/24) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@goautocredit.com
Mr. [redacted] has had several checks returned to us for non-sufficient funds. The $25.00 fee is due to the non-sufficient funds checks, not to...

turn his vehicle back on. There is never a fee imposed to enable a vehicle. He has been as late as 28 days on a payment. His first 5 payments were 14 days or more late. We have deferred a payment to help him out of his bind with his bank. We regularly try to work with Mr. [redacted] to accommodate his situation. If anyone has any questions, please feel free to contact me atXXX-XXX-XXXX.