Midwest Masonry Inc.

Complaint: ***
I am rejecting this response because: I am being required to retroactively pay for an uncovered time periodThat is not legal and I cannot be forced to backpay for a period that I was not coveredIf premiums aren't paid, the coverage lapses and the owner is liable for any damages, correct? If that's not the case, and coverage continues with or without my payment, why would my vehicle have been turned off "due to no insurance coverage" as said by *** before hanging up on me???yes the issue was resolved that day as far as the vehicle being turned back on (otherwise I was surrendering it that day and leaving it in the garage), but I have still not received a satisfactory responseI need to see in writing where I agreed (or was advised of an obligation) to retroactive payment responsibility in the event of a coverage lapsePlease also note that the Tezas Insurance Agency (or whatever the state regulated division is called) has sent me notice in the past advising there is no coverage, not even collateral, so why are you asking me to pay for what they are saying I don't have?? I need to see paperwork to back up these request because I assume your business to be very shady at this point, due solely to the unprofessional "mom and pop" kind of service (or lack thereof) I received from your "account manager"
Regards,
*** ***

Re: *** *** Dear Sirs:I understand Ms***'s position but I do not agree with her
The technology installed on her vehicle was a GPS tracking device with a
starter interrupt featureThe device tracks the movement of the vehicle on a
hour basisThe starter interrupt feature is never engaged unless the client
is in default of their loanWhen the starter interrupt feature is engaged it
prevents the vehicle from starting or restarting once it is shut off.The device is installed to protect the
collateral of the loanAll devices are given a "live" test after
they are installedThe device chosen because it is used by one of the largest
package delivery companies in the world and is very reliable.What mechanical or
electrical problem Ms*** experienced her vehicle could not be
duplicated once the vehicle was in the possession of the finance company.*** ** ***Texas Auto Credit Solutions

Dear *** *** I reviewed this customer's file and had the account manager give me a complete and accurate report of the payment history of this accountWhile I cannot divulge the particulars of the payment history of this account I can share with you that the customer's report is not accurate
Once a legal binding retail installment contact is executed between two parties it is a legal document and it has an assigned and agreed upon repayment scheduleWhile the finance company may make periodic, temporary arrangements with a customer the legal commitment and schedule of payments do not change unless a revised retail installment is executed by both partiesPayments are posted on a timely basis as they are receivedIf anyone aside from the customer makes a payment on behalf of a customer the proper account number and the exact payment amount must be noted and submittedInaccurate account information or payment information will cause a payment to be posted inaccuratelyAs a side note Capitol Car Credit (CCC) is the company that sold the vehicle to Ms***Once the loan has been processed CCC has no authority to change any of the arrangementsWe appreciate Ms***' business and look forward to having her as a customer for a good period of time.Sincerely, *** ** ***
***
*** *** *** ***

Dear Ms***,I personally Investigated this customer's fileWe purchased this vehicle from a localrent-a-car companyThe vehicle was in excellent shape when we delivered It toMr** ***The car underwent a complete point reconditioning prior to its sale.Subsequent to the delivery of the
vehicle the air conditioning compressor failed on the unitWe fixed the air conditioning compressor at no charge to the customer.We were under the impression that the customer was very satisfied with their vehicle and with us.I am sorry that Mr** *** does not share that opinionIt is my understanding from my Sale Management Staff that the customer had expressed their gratitude and

We all appreciate the dedication of our troopsWe try and take care of them whenever we canWe sold two vehicles to the customer in question:- the first vehicle was involved in an accident very shortly after the purchase dateThe insurance the customer had on the vehicle did not cover the
total loss cost- we absorbed a portion of the loss internally and sold the customer another vehicle.The customer did not pay for the vehicle per the terms of the his contract and the vehicle was repossessedWe went the extra yard to help this young couple but the fact that he defaulted on the retail installment contract we had with him was no fault of ours.Bill MokryPresidentCapitol Car CreditTexas Auto Credit Solutions

Complaint: [redacted]
I am rejecting this response because: I did not default on anything you guys should have the paperwork stating when the down deposit should be paid which was 30 days to pay is what you guys told me and I agreed. The first vehicle I paid a 3500 deposit for a vehicle that cost 14000 but with interest about 18000 the car was in a wreck yes my wife got in a wreck at 7 months pregnant almost even lost the baby. So then the insurance paid 12400  for the vehicle so it should've been paid off because I gave a 3500 deposit and it was paid full so the interest rate should've have been cancelled. So maybe a few days after the accident I go back to dealership to see if they can help me with another vehicle so I went and yes they helped but they helped themselves and took advantage of me they asked for another 1500$ for down payment and they said it was the only way they can help me after I gave them 3500 when there was money left over from the accident vehicle I said whatever had to do it because I work and need to be ready 24 hours a day for my country  not knowing at the time they were taking me as a fool. So I get the 2nd vehicle they told me I had 30 days to pay it or it will get repossessed it wasn't even 3 weeks after they came and towed that vehicle I have the proof on email of them giving me the vehicle shorter than 3 weeks before they towed it and also me paying the 3500$. This is unfair and to me I know they did something illegal here also if they love to help the troops so much and not themselves they should not treat us like banks asking for a bunch of money for downpayments that didn't go towards the vehicle also take advantage of young soldiers.
Regards,
[redacted]

Dear Ms. [redacted]:I received the Revdex.com file and personally
gathered the information with regard to this customer. While it is true that
our finance company does install a GPS device on all the vehicles it finances
the devices are not designed to turn off a car while it is in motion. The
devices will...

locate a vehicle with GPS technology. They also feature a
"starter interrupt" feature. In other words once the car is turned
off and a "no start" command is given to it the vehicle will not
restart until a "restart" command is issued. The customer is aware of
this device and signs a consent statement to that fact at the point of
contracting.We contacted the supplier of this product and
posed the question to them as stated by the customer. The firm assured us that
this cannot happen. In addition we inspect and test all of the units after they
are installed to make sure the vehicle is properly outfitted.I cannot explain what
happened with this customer. I truly apologize to them but I can only state
that we could not duplicate the problem the customer experienced.

Complaint: [redacted]
I am rejecting this response because:Hello Ms. [redacted], The statements in Capitol Car Credits reply are incorrect. Not once did my wife or myself express gratitude. Quite the opposite actually, we asked several times about just returning the cardue to the continued problems with both the car and the salesman. As of today we had to take the car in to CCC yet again due to the A/C not operating properly. We had to take the car to a Forddealership due to yet another but different issue. After we got the car back from them the Second time, the car would no longer start. We had it towed to Ford and they had to replace the transmission control module.While it was there I asked Ford to look at the A/C because it was no longer working again. Ford said the compressor was changed out but that it was not the issue with the A/C. Ford stated that the expansion valve and the Shrader valves we faulty and needed to be replaced. So we took the car back to Capitol Car Credit for a Third time. Again, every time we took the car back we asked for a refund because we did not like the car Nor the service we were receiving from the salesman. After yet another week of them having our car we got it back and the A/C is finally working. CCC has put over 300 miles on the car due to all the back and forth between our home and their service department. When we had to make our first car payment the vehicle was still in their possession being 'repaired' for the second time. We had to take the car back to CCC for a total of 3 times to get the A/C issue resolved and to me that is unacceptable and I cant see how the dealership can say otherwise.Again I would like to stress the fact that my wife and I never once said we were satisfied or appreciated the way the transaction was completed. That is a very bold lie on their part.
Regards,
[redacted]

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.
The warranty company went above and beyond and took care of my truck. I will never purchase another vehicle from this place or refer there business. Most of this response is not true, I explained my business intentions from start to finish with the salesman and finance manager regarding this vehicle being used as a commercial vehicle and this truck broke down the first day commercial or not.Bottom line the truck was fixed after 4 months so I am done with this problem.
Regards,
[redacted]

I reviewed this account with all the department managers. We apologize for the delay in making the minor repairs to her automobile. We placed her in a free loaner car so as to minimize her inconvenience. Our service facility was overbooked at the time because of the time of the year. We tried to...

work her vehicle into the service rotation as quickly as possible. As to the water leak she experienced we repaired that at no cost to her. The vehicle had gone through a complete pre-delivery process. A part of that process is a complete wash and detail of the vehicle. The vehicle exhibited no leaks at the time. I can only guess that the high pressure of the car wash may have exposed or caused the leak. Again we fixed it at no cost to her. We have been in business for almost twenty (20) years in [redacted] and have helped thousands of customers that have transportation and credit needs. We appreciate Ms. [redacted] business. Sincerely, [redacted] President Texas Auto Credit Solutions

August 14, 2015 Revdex.com Corporate Office 1005 La Posada Drive Austin, Texas 78752 Re: [redacted] — [redacted]. [redacted] Dear Sirs: I was directly involved with this customer issue. I have completed an extensive review of all the real and true facts of this situation. Here are those facts:...

·         We sold a 2004 Nissan Titan to [redacted]. [redacted] on 4/4/15. ·         The customer was financed by a National Lender based on the loan application information that **.[redacted] furnished us. ·         This vehicle was purchased from a local auction and we paid for the auction to perform a "post sale inspection". This inspection checks all the major components of the vehicle — engine, drive train, frame etc. This vehicle passed that inspection and was given a good mechanical report. ·         The vehicle had a complete 41 point reconditioning inspection performed on it once it reached our facility. It passed that inspection and had normal reconditioning items performed on the unit. ·         The vehicle had a Carfax report pulled on it and it was a "1" owner vehicle. ·         The customer called my management staff in May and said he felt the vehicle was losing oil. ·         We put the customer in a "free" loaner vehicle and drove the vehicle overnight for approximately 200 miles. No oil consumption or loss problem was found. We also had an ASE certified technician check the vehicle and he reported that there was no unusual oil loss or consumption found. ·         As an added precaution we sent the vehicle to Round Rock Nissan for a complete mechanical check. This was on May 6, 2015. They reported no oil loss or unusual consumption. They did recommend that the value cover gasket be replaced. We had the dealership perform that minor repair and paid for it.The invoice was $458.89 ·         The customer was informed of these findings. The customer opted to leave the vehicle in our possession for approximately 7 days after he was notified that the vehicle was ready for pickup. ·         During this review it was noticed and determined that at the original point of purchase the customer had indicated that the vehicle was for "personal" use and not "commercial" use. The fact that the vehicle was now being used for "commercial" use voided the General Provisions of the Service Guard Limited Warranty that the vehicle had at the time of purchase. ·         The customer picked up the vehicle at a later date. ·         The customer again called and stated he was having oil consumption problems and he took the vehicle to Town North Nissan. They diagnosed the vehicle and said that it needed a new "long block". We had a Senior ASE technician talk with the Service Technician at Town North Nissan and it was determined that the shop had mostly used the customer's complaint information to develop their recommendation for repair. ·         We informed the customer that the technical information that Town North Nissan supply us did not confirm the diagnosis they supplied. ·         The customer later took the vehicle to Round Rock Nissan and on this visit based on the information that the customer supplied. Round Rock Nissan recommended that the vehicle have a long block installed. We informed the customer to have Round Rock Nissan submit a "warranty claim" to Service Guard. ·         **. [redacted] opted to move the vehicle from Round Rock Nissan to Rush Automotive. We were told that he made that decision based on the high cost of repair made by Round rock Nissan. ·         The Service Guard personnel visited Rush Automotive and reviewed the claim. At this point the claim was denied because **. [redacted]'s actions of change the use of the vehicle from personal to commercial voided the warranty. ·         I personally visited Rush Automotive to review the circumstance and was informed by the Rush Automotive staff that they had not done any diagnostic work on this unit because it had not been authorized by the customer and that their recommendation was based solely on the information supplied by Round Rock Nissan. ·         Subsequent to that I received a very tersely worded email from **. [redacted] indicating he was going to take legal action against the dealership. ·         My assessment of this situation at this point was that the claim was not covered because of **. [redacted]'s action of changing the "use" of the vehicle. I turned the file over to my corporate attorney. ·         My corporate attorney made a call to **. [redacted] and during that conversation **. [redacted] Informed him that the warranty company had "authorized" repair of his vehicle. ·         That was the last communication we have had on this file. We know that we did all the right things in dealing with this customer and his complaint. We had no verification that the repair was needed. We understand that **. [redacted] felt he had a viable claim. We tried to do everything reasonable to address his situation. We have no control over the information supplied us or the actions of customers once they depart from our dealership. I hope that **. [redacted] Situation has been resloved.Sincerely Yours,[redacted]Capitol Car Credit

Complaint: [redacted]
I am rejecting this response because: As I'll am aware of the disabled equipment on the vehicle and that isn't the problem. The problem is my car was disabled while I was driving the car. I had no way of stopping the car. This out my life in danger. I had to bounce off a curb for the car to come to a stop. This is very harmful and I could have been hurt. 
Regards,
[redacted]

I personally reviewed the account with the Collection manager of Texas Auto Credit solutions and he assured me that the matter had been handled with the customer with a positive resolution. As a matter of record all lenders require proper collateral insurance to protect the vehicle they have used...

for collateral on the loans they approve. This insurance can be force placed if necessary. We believe this matter has been closed.[redacted]PresidentTexas Auto Credit SolutionsCapitol Car Credit

Revdex.com [redacted]
[redacted]  Attn: Ms. [redacted] Re: [redacted] Dear Ms. [redacted], I personalty investigated this customer's file. We purchased this vehicle from a local rent-a-car company. The vehicle was in excellent shape when we delivered It to Mr. [redacted]. The oar underwent a complete 41 point reconditioning prior to its sale. Subsequent to the delivery of the vehicle the air conditioning compressor failed on the unit. We fixed the air conditioning compressor at no charge to, the customer. We were under the impression that the customer was very satisfied with their vehicle and with us. I am sorry that Mr. [redacted] does not share that opinion. It is my understanding from my Sale Management Staff that the customer had expressed the