Car Credit Center

Mrs [redacted] purchased a Chrysler Sebring on 10/10/with 19,miles on itThe vehicle came with a day warranty and she signed for this day warrantyBetween October 10, and January 10, she brought her car back to Car Credit Center for minor repairsAll the repairs were fixed at 100% no charge to her not even the $deductible that the day warranty calls forNo problems were ever reported by her as far as any engine problems or noiseA whole year goes by now the vehicle has a mechanical problem but she knew from the start that it only had a day warrantyWe cannot be expected to fix her car when she has been driving the vehicle for a whole year with no problems.The best solution that I can offer is for her to come up with at least $1,toward her repair bill and we will have the finance company add the additional cost of repairs to her loan with no additional interest added onShe would have to bring the vehicle back in to be sent to another shop for a 2nd estimate [redacted] President/COO Car Credit Center

Initial Business Response / [redacted] (1000, 5, 2014/08/16) */ Contact Name and Title: [redacted] president/coo Contact Phone: XXX-XXX-XXXX Contact Email: ***@carcredit7600.com Mr [redacted] purchased a chrysler pt cruiser on june 4, It was explained to him at that moment that the vehicle only came with a day warrantyIn those days he came back with some issues and they were repaired at no cost to himHere it is over a year later and he has other issues that we cannot fix as the vehicle only had a day warrantyIt is a used vehicle and things like te water pump might go badEven new cars have mechanical issuesI am sorry, but these are problems that we cannot be responsible for a whole year laterThe only solution I can help him with is to refer him to a repair shop that we do bussiness with that will charge much less then if he took it elsewhere to fixHe wants to get that help he can call [redacted] my service manager at XXX-XXX-XXXX and he will refer him to a shop we do bussiness with

We have tried to call the customer and have left her several messages but have not heard back from her We called her on May 25yh, 26th , and 31st The technician did talk with [redacted] regarding her issue of the car starting hard The technician checked and we did not find an issue with the vehicle We have not heard back from her since the last repair The owner took it elsewhere to have the repairs completed We are willing to look at the vehicle for her and diagnosis the issue The owner needs to call the Car Credit Center to schedule an appointment to check out the problems she is having We will not reimburse the repairs that she paid, as we were not notified of the issuesThank you, [redacted] General ManagerCar Credit [email protected]

Initial Business Response / [redacted] (1000, 5, 2014/05/23) */ Contact Name and Title: [redacted] MUNOZ Contact Phone: XXX-XXX-XXXX Contact Email: ***@carcredit7600.com ON APRIL 17, [redacted] CAME TO CAR CREDIT CENTER AND PURCHASED A CHEVROLET IMPALASHE SIGNED A PAPER WHICH INDICATES THAT IF HER JOB DOES NOT CHECK OUT THEIR MAY BE NO FINANCING AVAILABLE AND THE DEALER RESERVES THE RIGHT TO CANCELL THE DEALWHEN SHE PURCHASED THE VEHICLE SHE STATED THAT SHE WAS EMPLOYED AT ONE JOB WHICH TURNED OUT TO BE A LIEAS OF XX-WE WERE INFORMED BY HER JOB THAT SHE WAS NO LONGER EMPLOYED THEREWE ATTEMPTED TO CONTACT HER AND SHE DID NOT RETURN OUR PHONE CALLSTHE VEHICLE WHICH HAS A GPS LOCATOR WITH AN IGNITION SHUT DOWN WAS LOCATED AND TURNED OFFTHE CAR WAS PICKED UP BY A REPO COMPANY WHICH CHARGED US $AND WHEN WE CANCELLED THE DEAL WE GAVE HER BACK HER MONEY MINUS THE REPOSSESSION FEE OF $THAT WE INCURRED DUE TO HER LYING ON HER APPLICATIONHAD WE KNOWN SHE WAS SWITCHING JOBS WE WOULD HAVE NOT GIVEN HER THE VEHICLEAS FAR AS HER BELONGINGS SHE WAS TOLD TO CALL THE REPO COMPANY AND THEY WILL RELEASE HER BELONGINGS TO HERBY ILLINOIS LAW THE REPO COMPANY MUST REMOVE ALL PRIVATE BELONGINGS FROM A REPOSSESSED VEHICLEIF SHE NEEDS THE REPO COMPANY'S INFORMATION WE CAN GIVE THAT TO HERALL SHE HAS TO DO IS CALL CAR CREDIT CENTER AND ASK TO SPEAK TO ME OR A MANAGER Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/05/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Mr [redacted] is distorting the truth if they had used the work number system my employment could have been easily verified instead of calling the local office and speaking with some one there who had no idea who I was they could have contacted the corporate office also and also I presented car credit with my most recent check stubs I did resign my position to accept a better offer, as I stated in my original compliant, but I started immediately, but I guess that was unacceptable to car credit I did tell them I was changing jobs whether he will admit it or not, also I had a cosigner who had given them his w-2's ON THE DAY THAT THEY REPOSSESSED the vehicle I know this because I drove him to car credit and scheduled a oil change for later that day at no point during my minute visit did they indicate that there was a problem, car credit was in contact with me and my cosigner everyday that we had that vehicle including the day they came and took it so Mr [redacted] needs to speak with his people before he accuses me of ducking their calls Finally for the record this is not a attempt on my part to get back the vehicle I have moved on this complaint is about them repossessing the vehicle when they could have just called me or my cosigner or any one of my references I only can assume that they have some type of contract with the repo company that benefits both companies, I want my my $back and since he did not address it, if the repo company takes out my belonging why are they demanding additional money to return them? you call me a liar but you're a thief and a liar car credit had the vehicle unjustly repoed so they are responsible for the return of my property as well as my money I can only imagine how many people have been screwed by car credit this way but didn't bother to complain Final Business Response / [redacted] (4000, 9, 2014/05/27) */ we are not going to give back the $repo fee that was charged to us by the repo companyIt is our policy to call the customer whenever something does not match their applicationAfter several attempts and no response we then shut down the vehicle and send put it out for repoThis is a charge incurred due to your negligence and we are not going to be out of pocket for that repo fee of $As for your belongings that is between you and the repo companyAccording to Illinois law they are allowed to charge you for you to redeem your personal belongings Final Consumer Response / [redacted] (4200, 11, 2014/06/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I remain adamant that car credit did not call me or my co-signer before they had their vehicle removed the vehicle was towed between 2a.mand 4a.mso if they tried calling between those times then I probably didn't respond, but I had no missed calls from that date a quick records check from mines and my cosigners cell records will verify that we did not receive any calls on the day of the repo also I will reiterate that I was at their facility to bring in additional papers (my cosigners w-2) which they retained dated copies and no one mentioned that they wanted the vehicle back a honest person would go check that out, also their finance dept was in constant contact with me and my co-signer everyday but still this gentleman continues to deny their own process and once again my cell phone records will uphold this and a quick check with their maintenance dept for the oil change I scheduled, but to put a end to this farce I will accept half of the money they swindled me out of and the return of my things as I am sure that this car company does regular business with the equally shady tow company I feel as tho car credit is responsible for my things since their mistake allowed the towing company to steal them from me

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

I am sorry but this is the best that we can doYou bought a used vehicle and these things can happenIf the engine was bad from the beginning you would not have been driving it for so longalso, we buy the vehicles at private dealer auctions inspect them and sell themHad we known the engine was bad we would not have sold the car but instead sent it back to the auction since we have a warranty with themIf we sold it at car credit center it is because it passed our mechanical inspection at the time
*** ***

Mrs [redacted] purchased a 2006 Chrysler Sebring on 10/10/2014 with 19,569 miles on it. The vehicle came with a 90 day warranty and she signed for this 90 day warranty. Between October 10, 2014 and January 10, 2014 she brought her car back to Car Credit Center for minor repairs. All the...

repairs were fixed at 100% no charge to her not even the $100 deductible that the 90 day warranty calls for. No problems were ever reported by her as far as any engine problems or noise. A whole year goes by now the vehicle has a mechanical problem but she knew from the start that it only had a 90 day warranty. We cannot be expected to fix her car when she has been driving the vehicle for a whole year with no problems.The best solution that I can offer is for her to come up with at least $1,000.00 toward her repair bill and we will have the finance company add the additional cost of repairs to her loan with no additional interest added on. She would have to bring the vehicle back in to be sent to another shop for a 2nd estimate.
 
[redacted]
President/COO
Car Credit Center

Initial Business Response /* (1000, 5, 2014/06/20) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@overlandbond.com
I reviewed the complaint by Mr. [redacted]'s to your office dated June 03, 2014. For the record, Mr....

[redacted] signed a GPS/Starter Interrupter disclosure on 6/1/2011 as a condition of financing for the 2000 Hyundai (see attached). Mr. [redacted] acknowledged the installation of the device by signing the disclosure. Car Credit Center installed the device and tested it prior to Mr. [redacted] driving off the lot. Quite possibly Mr. [redacted] had some repairs done to the car or had an alarm system or remote starter installed and the technicians removed the device; happens all the time to no fault of our customer. No problem with releasing the title to Mr. [redacted]. Have him come to [redacted] @ [redacted] Chicago, IL XXXXX and we'll be glad to tender the title to him. He will need to show a government-issued ID to obtain the title from us.
Any questions, please feel free to call me.
Initial Consumer Rebuttal /* (2000, 7, 2014/06/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)

[redacted] came to car credit center on March 5, 2016 to purchase a car. She was approved for a vehicle up to $16,995.00. She picked out a 2013 [redacted] and she financed it for 5 years at 20.90%. She only had a 9 month job and a credit score of 514, which is considered high risk. She was given...

payment options and decided to go 5 years due to the lower payment. She could have financed it for less time and her total interest would have been less but her payment would then increase. She opted for the 5 year term,not us,because she wanted the smallest payment possible.Mrs. [redacted] spent over 2 hours at car credit center and she was explained her payment 3 times, her interest rate and her total pay back and she signed about 10 documents all pertaining to her car loan and she was given copies of everything. Not once did she say no or complain. She then proceeded to complete her $1000.00  down payment by giving us $500.00 down the day she took delivery of the car on March 5, 2016. Then she would pay the other $500.00 in 2 more payments of $250.00 each due on March 18 and April 1, 2016. Her 1st car payment was due on April 15, 2016 and we never had any complaints from her. She has paid her car payments from April to now (6 months) without any complaints ever about the loan, the interest paid or the vehicle.We have not lied about anything and have been very clear about all the facts concerning her loan approval and her payment and interest rate and the total on her loan. She received copies of everything she signed and in 7 months since March 5 no complaints.
Sincerely,
[redacted]
President/Coo
Car Credit Center

Initial Business Response /* (1000, 5, 2014/08/16) */
Contact Name and Title: [redacted] president/coo
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@carcredit7600.com
Mr. [redacted] purchased a 2005 chrysler pt cruiser on june 4, 2013. It was explained to him at that moment that the...

vehicle only came with a 30 day warranty. In those 30 days he came back with some issues and they were repaired at no cost to him. Here it is over a year later and he has other issues that we cannot fix as the vehicle only had a 30 day warranty. It is a used vehicle and things like te water pump might go bad. Even new cars have mechanical issues. I am sorry, but these are problems that we cannot be responsible for a whole year later. The only solution I can help him with is to refer him to a repair shop that we do bussiness with that will charge much less then if he took it elsewhere to fix. He wants to get that help he can call [redacted] my service manager at XXX-XXX-XXXX and he will refer him to a shop we do bussiness with.

We have tried to call the customer and have left her several messages but have not heard back from her.  We called her on May 25yh, 26th , and 31st.  The technician did talk with [redacted] regarding her issue  of the car starting hard.  The technician checked and we did...

not find an issue with the vehicle.  We have not heard back from her since the last repair.  The owner took it elsewhere to have the repairs completed.  We are willing to look at the vehicle for her and diagnosis the issue.  The owner needs to call the Car Credit Center to schedule an appointment to check out the problems she is having.  We will not reimburse the repairs that she paid, as we were not notified of the issues. Thank you, [redacted]
General ManagerCar Credit [email protected]

Initial Business Response /* (1000, 5, 2014/05/23) */
Contact Name and Title: [redacted] MUNOZ
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@carcredit7600.com
ON APRIL 17, 2014 [redacted] CAME TO CAR CREDIT CENTER AND PURCHASED A 2011 CHEVROLET IMPALA. SHE SIGNED A PAPER WHICH INDICATES...

THAT IF HER JOB DOES NOT CHECK OUT THEIR MAY BE NO FINANCING AVAILABLE AND THE DEALER RESERVES THE RIGHT TO CANCELL THE DEAL. WHEN SHE PURCHASED THE VEHICLE SHE STATED THAT SHE WAS EMPLOYED AT ONE JOB WHICH TURNED OUT TO BE A LIE. AS OF XX-XX-XX WE WERE INFORMED BY HER JOB THAT SHE WAS NO LONGER EMPLOYED THERE. WE ATTEMPTED TO CONTACT HER AND SHE DID NOT RETURN OUR PHONE CALLS. THE VEHICLE WHICH HAS A GPS LOCATOR WITH AN IGNITION SHUT DOWN WAS LOCATED AND TURNED OFF. THE CAR WAS PICKED UP BY A REPO COMPANY WHICH CHARGED US $265.00 AND WHEN WE CANCELLED THE DEAL WE GAVE HER BACK HER MONEY MINUS THE REPOSSESSION FEE OF $265.00 THAT WE INCURRED DUE TO HER LYING ON HER APPLICATION. HAD WE KNOWN SHE WAS SWITCHING JOBS WE WOULD HAVE NOT GIVEN HER THE VEHICLE. AS FAR AS HER BELONGINGS SHE WAS TOLD TO CALL THE REPO COMPANY AND THEY WILL RELEASE HER BELONGINGS TO HER. BY ILLINOIS LAW THE REPO COMPANY MUST REMOVE ALL PRIVATE BELONGINGS FROM A REPOSSESSED VEHICLE. IF SHE NEEDS THE REPO COMPANY'S INFORMATION WE CAN GIVE THAT TO HER. ALL SHE HAS TO DO IS CALL CAR CREDIT CENTER AND ASK TO SPEAK TO ME OR A MANAGER.
Initial Consumer Rebuttal /* (3000, 7, 2014/05/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Mr [redacted] is distorting the truth if they had used the work number system my employment could have been easily verified instead of calling the local office and speaking with some one there who had no idea who I was they could have contacted the corporate office also and also I presented car credit with my most recent check stubs I did resign my position to accept a better offer, as I stated in my original compliant, but I started immediately, but I guess that was unacceptable to car credit.
I did tell them I was changing jobs whether he will admit it or not, also I had a cosigner who had given them his w-2's ON THE DAY THAT THEY REPOSSESSED the vehicle I know this because I drove him to car credit and scheduled a oil change for later that day at no point during my 30 minute visit did they indicate that there was a problem, car credit was in contact with me and my cosigner everyday that we had that vehicle including the day they came and took it so Mr [redacted] needs to speak with his people before he accuses me of ducking their calls.
Finally for the record this is not a attempt on my part to get back the vehicle I have moved on this complaint is about them repossessing the vehicle when they could have just called me or my cosigner or any one of my references I only can assume that they have some type of contract with the repo company that benefits both companies, I want my my $265 back and since he did not address it, if the repo company takes out my belonging why are they demanding additional money to return them? you call me a liar but you're a thief and a liar car credit had the vehicle unjustly repoed so they are responsible for the return of my property as well as my money I can only imagine how many people have been screwed by car credit this way but didn't bother to complain.
Final Business Response /* (4000, 9, 2014/05/27) */
we are not going to give back the $265.00 repo fee that was charged to us by the repo company. It is our policy to call the customer whenever something does not match their application. After several attempts and no response we then shut down the vehicle and send put it out for repo. This is a charge incurred due to your negligence and we are not going to be out of pocket for that repo fee of $265.00. As for your belongings that is between you and the repo company. According to Illinois law they are allowed to charge you for you to redeem your personal belongings.
Final Consumer Response /* (4200, 11, 2014/06/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I remain adamant that car credit did not call me or my co-signer before they had their vehicle removed the vehicle was towed between 2a.m. and 4a.m. so if they tried calling between those times then I probably didn't respond, but I had no missed calls from that date a quick records check from mines and my cosigners cell records will verify that we did not receive any calls on the day of the repo also I will reiterate that I was at their facility to bring in additional papers (my cosigners w-2) which they retained dated copies and no one mentioned that they wanted the vehicle back a honest person would go check that out, also their finance dept was in constant contact with me and my co-signer everyday but still this gentleman continues to deny their own process and once again my cell phone records will uphold this and a quick check with their maintenance dept for the oil change I scheduled, but to put a end to this farce I will accept half of the money they swindled me out of and the return of my things as I am sure that this car company does regular business with the equally shady tow company I feel as tho car credit is responsible for my things since their mistake allowed the towing company to steal them from me

Complaint: [redacted]
I am rejecting this response because: I appreciate Car Credit Center extending the offer to attach two withheld payments to my car loan in order to make repairs, but I feel that this is not a satisfactory solution. When I purchased my car from Car Credit Center it had just over 19,000 miles. Now at 38,000 the engine is almost gone. This leads me to believe that the staff of Car Credit Center was aware of the condition of the car's engine. I believe I was taken advantage of as a woman purchasing a vehicle alone and with no mechanical knowledge to inspect the car myself. I am seeking for Car Credit Center to repair my engine at 100% no cost to me as this should have been the repair made when I was still within the 90 day warranty. I am locked into this auto loan of nearly $12,000 for a vehicle that will not be working soon if these repairs are not made. [redacted], Car Credit Center's President/COO, stated I drove the vehicle for a whole year with no problems. I drove my car to work and home again in normal fashion until I heard noises which is when I made Car Credit Center aware. Even if it was over the course of a year, I have never heard of a car, new or used, losing it's engine at 38,000 miles! In retrospect, I should have been suspicious of a such a nice looking car with only 19,000 miles on it, but I had no automotive knowledge whatsoever so I was easily taken. I believe Car Credit Center operated maliciously in selling me a car they knew had serious problems. Thank you for your care in this matter.
Sincerely,
[redacted]