La Crosse Auto

Salutations, [redacted] purchased a Volkswagen Passat from our dealership on 31-AUG-for a cash selling price of $18, At the time of purchase, Ms [redacted] also elected to add a service contract to the loan ride La Crosse secured for her through Credit Union Ms [redacted] also elected to have all of her state and local taxes and registration and dealer fee financed into the new loan.The dealership secured said loan for Ms [redacted] after submitting her credit application to two separate lenders: Westby Credit Union Credit Union.The dealership does offer every customer the opportunity to sign up for automatic payments through a third party: Smartpayment Plan.Ms [redacted] was offered the opportunity to sign up for the above stated smart payment plan when she signed out on the final paperwork for her loani.ethe bank contract, purchase contract, MVform, assorted internal dealership paperwork etc.As Ms [redacted] stated in her complaint, there is a charge for signing up with smartpay of $to be paid gradually to smartpay over the course of the loan It would not be charged as a one time payment fee.The dealership does not try to hide this fee form any of our customers and has each customer sign forms stating they understand they will pay this fee over the course of the loan and that they want to enroll in the smartpay program.Ms [redacted] DECLINED to sign up with smartpay at the time of purchase.Ms [redacted] does NOT have a account with smartpay and was not, and will never be, charged by smartpay for maintaining a account with them Ms [redacted] was never charged for this service and there is no fee for said service on any of her bank paperwork.The dealerships position is as follows:We will not pay Ms [redacted] $for a fee to a 3rd party vendor that she declined to sign up for She was not tricked or forced into any contract, and in fact, refused to sign up for said service She was never charged a $fee for signing up with smartpay and will not, and can not, offer any proof that she was ever charged said fee

To whom it may concern,The dealership received the contract back from Wells Fargo this morning, 07-FEB- We will be mailing the title and a check for the down payment out today now that we are assured that this deal is 100% unwound with the lender.We would like to thank Ms [redacted] for her patience in this matter as we understand that it took longer than she anticipated for the store to back off all of the legally binding documents she signed to purchase a vehicle and to get the bank to return the contract.Cordially, [redacted] General Manager

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , 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.]Within the term of the loan on the paperwork I was given at the time of purchase, there was a fee written into the agreement of for SmartPayAt this time, I had declined the serviceThe financial rep stated that “The bank will charge you this fee regardless, so this would stay in the loan” I would like further explanation on how this was not charged to me, as it was included in the finance agreement through the bankThe amount that was sent to the bank for the full price of the loan matched the amount from the paperworkI am more than happy to come into 199ride with all the paperwork I had received at the time of purchaseI have left voicemails to discuss with matter with management, and I have yet to hear backI was charged for a service that I had declined, and it was not removed from the financingI do not believe it’s legal to charge someone for a service that they declined, and did not utilizeIs there a paper trail or anything I could review that shows the SmartPay charge of was not included in my loan?As stated in your response, this fee of was to be dispersed into monthly payments along with the other fees/car paymentFrom that, it is stating that is normally included within your loan agreementsWhen dealing with Skyler, he explained what SmartPay does and is, but he did not clarify that there’s was a fee included with itI signed and filled out the first piece of paperwork to initiate a SmartPay account, and was then added into my loanOnce I knew a charge was included for this service, I wished to decline I have no evidence that this was removed from my loanThank you for your time, and happy holidays! Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] LaCrosse Auto will not ever get a referral from meThe whole bait n switch was dirty and rudeAnd then keep my hard earned money, is doubly awful Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Revdex.com:If this is the case, which I dont believe#Why would *** tell me to come back the next morning (I couldnt take another day off work, I had already taken off days, saturday and tuesday) to get my title and money#Dealerships dont send in the tratitle to the lender The loan is secured by the new vehicle not the trade-inPlease all I want is my old Jeep Grand Cherokee and my downPLEASE
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,
*** ***

To whom it may concern,The dealership received the contract back from Wells Fargo this morning, 07-FEB-2018.  We will be mailing the title and a check for the down payment out today now that we are assured that this deal is 100% unwound with the lender.We would like to thank Ms [redacted] for her patience in this matter as we understand that it took longer than she anticipated for the store to back off all of the legally binding documents she signed to purchase a vehicle and to get the bank to return the contract.Cordially,[redacted]General Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]Within the term of the loan on the paperwork I was given at the time of purchase, there was a fee written into the agreement of 299 for SmartPay. At this time, I had declined the service. The financial rep stated that “The bank will charge you this fee regardless, so this would stay in the loan” I would like further explanation on how this was not charged to me, as it was included in the finance agreement through the bank. The amount that was sent to the bank for the full price of the loan matched the amount from the paperwork. I am more than happy to come into 199ride with all the paperwork I had received at the time of purchase. I have left 3 voicemails to discuss with matter with management, and I have yet to hear back. I was charged for a service that I had declined, and it was not removed from the financing. I do not believe it’s legal to charge someone for a service that they declined, and did not utilize. Is there a paper trail or anything I could review that shows the SmartPay charge of 299 was not included in my loan?As stated in your response, this fee of 299 was to be dispersed into monthly payments along with the other fees/car payment. From that, it is stating that is normally included within your loan agreements. When dealing with Skyler, he explained what SmartPay does and is, but he did not clarify that there’s was a fee included with it. I signed and filled out the first piece of  paperwork to initiate a SmartPay account, and was then added into my loan. Once I knew a charge was included for this service, I wished to decline.  I have no evidence that this was removed from my loan. Thank you for your time, and happy holidays! 
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
LaCrosse Auto will not ever get a referral from me. The whole bait n switch was dirty and rude. And then keep my hard earned money, is doubly awful. 
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

To whom it may concern, As stated in our initial response to Ms [redacted]'s complaint, and as acknowledged by Ms [redacted] herself:  Ms [redacted] declined to sign up with smart payment plan at the time of her purchase.  She does not have a account with smart payment plan because, again, she had never signed to accept the service.  Because she does not have a account with smart payment plan, there would be no paperwork trail to follow, it is simply as service we offer all of our customers.  In addition, the $399 fee for smart payment plan was not entered onto any of the contract paperwork.  It is a fee that smart payment plan charges directly, and gradually, over the course of the loan and is directly withdrawn from the consumer's ACH account.   We can assure Ms [redacted] that she was never charged the $399 fee for signing with smart payment plan. Moreover, after reading Ms [redacted]'s response to the dealership's stance on this matter, and re-reading Ms [redacted]'s original complaint, we believe there is a misconception on her behalf as to the fee we believe she is referring to.In the original complaint and in the response to the dealer's reply to said complaint, Ms [redacted] continually refers to a $299 fee for smart payment plan.  As we have stated; the fee for smart payment plan is $399, not $299.  Also, as we have stated, the fee for signing with smart payment plan would not be printed on any of Ms [redacted]'s contract paperwork.  There is, however, a dealer service fee of $299 that is applied to every one of our vehicles.  This fee is listed on every "Motor Vehicle Purchase Contract" and is also listed, clearly, on every Wisconsin Buyer's Guide.-The fee is listed on the "Motor Vehicle Purchase Contract" on line b. "Services Fee" inside the box labeled "PRICE OF THE VEHICLE" on the right center quarter portion of the contract.  This fee would be printed as $299 on the contract.-The fee is also listed on the "Wisconsin Buyer's Guide" and can be found on the right hand corner under PRICE OF VEHICLE.We are confidant this response should clear up what we believe is a misconception of Ms [redacted]'s of being charged for declining to sign up with smart payment plan.Additionally; If Ms [redacted] would like to come to the dealership, with her paperwork, we would be more than happy to go through it line by line with her.Cordially,[redacted]General Manager199ride Lacrosse

To whom it may concern, Ms [redacted] did indeed purchase a Jeep from our dealership.  She signed all legally binding paperwork (MV11, Purchase Contract and Bank Contract, along with other dealership assorted forms) in house with the help of a State of Wisconsin licenced dealer representative.As Ms...

[redacted] states:  She came back to the dealership two and a half business days later demanding that she be allowed to return the vehicle she purchased and demanding her title and cash down payment.It was explained to Ms [redacted] that she had signed legally binding documents to verify her purchase of a vehicle.  It was also explained that the dealership had already sent all of the paperwork out to her lender, and her title and cash down payment were no longer in house to return to her.After a hour or so of back and forth the dealership was able to contact her lender and put a halt to the bank finalizing and funding her loan.It was explained to Ms [redacted] that it would take some time to get her title and down payment minus 5% of the cash purchase price back to her as the bank had to receive and then send back her documents before we would be able to unwind her purchase.Ms [redacted] can rest assure that the dealership will return her title and her cash down payment minus 5% of the cash purchase price back to her.  If she would like us to send it to her via certified US mail, we would be more than happy to do so at her expense of the shipping cost.Cordially,[redacted]General Manager

Salutations, [redacted] purchased a 2016 Volkswagen Passat from our dealership on  31-AUG-2017 for a cash selling price of $18,114.27.  At the time of purchase, Ms [redacted] also elected to add a service contract to the loan 199 ride La Crosse secured for her through Co-Op Credit...

Union.  Ms [redacted] also elected to have all of her state and local taxes and registration and dealer fee financed into the new loan.The dealership secured said loan for Ms [redacted] after submitting her credit application to two separate lenders:  1. Westby Credit Union 2. Co-Op Credit Union.The dealership does offer every customer the opportunity to sign up for automatic payments through a third party: Smartpayment Plan.Ms [redacted] was offered the opportunity to sign up for the above stated smart payment plan when she signed out on the final paperwork for her loan. i.e. the bank contract, purchase contract, MV11 form, assorted internal dealership paperwork etc.As Ms [redacted] stated in her complaint, there is a charge for signing up with smartpay of $399 to be paid gradually to smartpay over the course of the loan.  It would not be charged as a one time payment fee.The dealership does not try to hide this fee form any of our customers and has each customer sign forms stating they understand they will pay this fee over the course of the loan and that they want to enroll in the smartpay program.Ms [redacted] DECLINED to sign up with smartpay at the time of purchase.Ms [redacted] does NOT have a account with smartpay and was not, and will never be, charged by smartpay for maintaining a account with them.  Ms [redacted] was never charged for this service and there is no fee for said service on any of her bank paperwork.The dealerships position is as follows:We will not pay Ms [redacted] $299 for a fee to a 3rd party vendor that she declined to sign up for.  She was not tricked or forced into any contract, and in fact, refused to sign up for said service.  She was never charged a $299 fee for signing up with smartpay and will not, and can not, offer any proof that she was ever charged said fee.