Paul Blanco's Good Car Company Sacramento

Good morning, Ms [redacted] -I have unsuccessfully tried to reach you at both [redacted] and [redacted] .It is my understanding that the following has already been put in motion to resolve your complaint:The car was returned to the dealership.You were provided with a loaner vehicle.You are working with Paul Blanco's Good Car Company Sacramento to gain loan approval on comparable vehicle.Thank you for allowing us to shed light on this matter It is my hope that this matter is now resolved Kind Regards, [redacted]

Dear Ms***, Thank you for bringing this matter to our attentionBefore agreeing to any resolution to this issue, it is important to gather all factsWould you kindly provide us with an estimate of the cost of the repair you're seeking? Thank you for being a valued Paul Blanco's Good Car Company Sacramento customer, we look forward to finding a prompt and mutually satisfying resolutionSincerely, [redacted] Blanco

Mr [redacted] , we have been forthright with the information we provided you, our safety procedures, and our knowledge of the vehicle history prior to your purchaseWe would like to resolve your concerns as best we can and right this situation for youPlease allow us to assist you by taking the vehicle back in trade and putting you into a newer vehicle that suits your needs, budget and your liking

Ms [redacted] ,We appreciate your willingness to speak with us directly We would like to resolve your concerns as best we can and right this situation for you.I have submitted a request for your file in order to make an informed response.Thank youRegards, [redacted]

Mrs [redacted] , we are in the process of locating your file from EZ Auto Solution, they have been out of business since January You purchased your vehicle from them on 11/23/ We have recently moved our Corporate offices and are in the middle of moving to the new location As soon as I receive the file and I can pull the necessary paperwork I will be able to further assist you in this matter Please in advance accept our apology

Mr [redacted] purchased a GMC Envoy almost years ago on November 17, We have only one record of Mr [redacted] having come back to visit us on December 11, During his visit, our salesman reviewed Mr [redacted] ' credit profile and financial circumstances and logged a note in our CRM (customer retention management system) as follows:Upon re-assessing Mr [redacted] ' financing options, the make, model, miles, and condition of his vehicle brought $less market value than he owed on his auto loanMr [redacted] would have needed to make up the difference to cover the negative equity still owed on his current auto loanIf Mr [redacted] had enough down payment to cover this, we could have helped trade him out of his vehicle and into a newer model vehicleAs for what the payments might have been - that would depend on the price of the newer vehicle and the terms of the lender's approval and risk assessment.Unfortunately, there is no way to predict what a future market value of a vehicle might beMarket values are dependent on a number of factors in addition to demand trends: year, make, model, miles, and the overall condition of the vehicleWhile year, make, and model are essential triggers for wholesale buying trends, the number of miles put on the vehicle together with what kind of condition the customer keeps the vehicle in are dependent on the customerEach of these factors can account for variances in market price.Paul Blanco's "Fresh Start" program aims to help customers with challenged credit obtain loan financing that they otherwise may not be able to obtain through traditional financingAfter regular, timely payments on one of our affordable, reliable vehicles, a customer's credit score should improve and qualify the customer for a lower interest rate in as little as a year's time - all else being equalWhile a customer's credit score may vary up and down depending on his or her life style and past credit history, car payments can make a substantial positive impact to drive the customer's credit score up.Please note however that we cannot control other financial circumstances affecting credit such as bankruptcies, additional open auto loans, delinquent mortgage payments or child support, for example that may negatively impact the customer's credit profileThe only way to determine a customer's creditworthiness is to do a fresh assessment of a customer's financial circumstances and credit standing at any one given point in timeWe encourage our customers to come back after a year's worth of timely loan paymentsWe believe this is a good benchmark point in time to as significant enough progress with regard to credit standing to make a positive difference in a customer's financing optionsWe welcome Mr [redacted] to allow us to assess where he currently stands with regard to his transportation needs and any factors impacting his credit profile over the last years since we saw him lastThis will allow us to help Mr [redacted] understand what his financing options are at this point in time.If Mr [redacted] is open to exploring his options currently, our customer service manager will be happy to contact him this week to help set him up with an appointment at our Sacramento dealership

When Ms [redacted] met with our salesman Robert [redacted] on April 12, at our Sacramento dealership, she presented an inequitable vehicle for trabecause she and her husband still owed substantially more than the vehicle's fair market valueConsequently, Mr [redacted] talked with Ms [redacted] about what her options might be in this situation, including the option for Ms [redacted] and her husband to pay the difference between the balance owed and the fair market value of their vehicle, and the option to refinance the vehicle for a lower payment.According to Mr***, Ms [redacted] was undecided as to what she wanted to do, and her husband Mr [redacted] was not present during the discussion between Mr [redacted] and Ms [redacted] because Mr [redacted] was workingMr [redacted] agreed to drive to Mr [redacted] 's job site to present both Ms [redacted] and Mr [redacted] with a contract for the purchase of a Hyundai SonataAt this time, Ms [redacted] and Mr [redacted] discussed their options and decided that they would refinance the vehicle they owned and try to get a lower paymentMr [redacted] agreed that this was a great option.It is our salesman Mr***'s position that he did not tell either Ms [redacted] or Mr [redacted] that their credit would not be affected if they turned the vehicle in to their lenderMr [redacted] is a highly experienced, knowledgeable, and trusted salesman who has been with Paul Blanco's companies (both EZ Auto Solutions and Paul Blanco's Good Car Company of Sacramento) since inceptionMr***'s knowledge of the auto industry precludes him from offering such information to any of his customersMr [redacted] also attests that he has had no communication with either Ms [redacted] or Mr [redacted] regarding the disposition of their vehicle since the meeting at Mr [redacted] 's job site on April 12,

Lending institutions, [redacted] in this particular case, most always require initial investment (down payment) in order to approve the purchase of a contractas they did here And in some instances they require more funds invested than the consumer has available at that timeThis particular contract was one of those timesFortunately for our customers we offer a deferred down payment program whereby a buyer can delay payment of a portion of that lender required investment daysThat is the case here as Ms [redacted] choose this option Again this was a lender required initial investment.Ms [redacted] has had ample opportunity to repay the $She choose to defer as shown by the following sequenceShe was aware as her signature indicates that the original due date for her $deferred down payment was May 29, She didn't complyWe then made further arrangements for her to pay $on June 1st, and $on June 29th, She again failed make the initial $payment on June 1stWe offered and she agreed to a third opportunity to pay $on June 17th, and $on June 29th.On each occasion Ms [redacted] indicated she would be prepared to pay the amount due but to date she has failed to fulfill her obligationA pattern has been established.Ms [redacted] ' latest proposal is for us to wait more months with no guarantee she will be agreeable to meet her due date at that juncture We find this unacceptableWe feel we have been more than fair trying to work with her to satisfy the lender dictated terms.We are reaching out to her with our last and best final offer and that is for Ms [redacted] to pay $on July 1st, and the remaining $on July 15th, This is more than fairIf Ms [redacted] fails to meet those terms we will unfortunately be forced to seek relief through small claims court

RevDex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me. It should never have taken over a month to get a signature on a check for reimbursement and the check was not mailed to [redacted] until after I submitted this complaint to the BBB. It would have been nice had they paid the entire $2000 due to all the trouble and extra money I've had to pay due to negligence on the part of Paul Blanco's company. Although a check has been sent, this has been and will continue to be a negative experience for me. Thanks for your help.

I am rejecting this response because: we did speak later that dayToday January 10, 2017, I did end up getting a Jeep PatriotNot exactly what I wanted, but I am just tired of the B.Sand I just want this to be overI cant wait for the rash from the mold to finally go away so I dont have to think about my experience with Paul Blanco any longer

Since this is an older purchase from when we were under a different name (EZ AUTO SOLUTIONS), the file is archived in a facility separate from our Sacramento corporate officesI have requested information from the file but I have not yet received it.As soon as the file jacket is located in our
Stockton facility and the information I need from it is forwarded to me, I will be able to make an informed response to Mr***'s claim.Thank you.***

In response to Revdex.com Complaint Case #11628487When Mr*** came in to our Sacramento dealership to obtain vehicle financing on August 1, 2016, we obtained a lender approval on his behalf through Americredit Financial ServicesAmericredit agreed to finance Mr***, limiting the terms (according
to Mr***'s financial profile and credit standing) to a maximum of $13,500 at 18.15% over months for a Chrysler with 37,odometer miles that retailed for $14,Obviously this was problematic because the retail price of the vehicle was more than the maximum approval amount and would result in a negative deal.Unfortunately, we had nothing in our inventory that would meet Americredit's loan approval wherein our inventory costs were lower than $13,so that we could retail it to Mr*** for $13,The least expensive vehicle Americredit would approve Mr*** in retailed for $14,The only alternative for the dealership to recoup from a negative deal would be to sell Mr*** an optional extended service and gap contractWe negotiated with Americredit to agree to finance a slightly higher dollar amount under these circumstancesHowever, if Mr*** was unwilling to purchase the extended service contract and gap insurance, we were not willing to do a negative deal with himNo dealer can survive on negative deals.Our finance manager and general sales manager explained these circumstances to Mr***Mr*** had full discretion to choose either to do the deal offered or no deal.With regard to Mr***'s statement that he signed no paperwork before taking delivery of the vehicle, this simply is not trueOn the date Mr*** came in to purchase the vehicle, our finance department had run out of sales contract formsConsequently, we executed a Borrowed Vehicle Agreement with Mr*** so that he could take possession of the vehicle and come back to sign the contractual agreement when we obtained more vehicle sales contract formsAs a gesture of good will, we allowed Mr*** to borrow the vehicle without a deposit.Mr*** was aware he was to return with the vehicle as soon as possible to sign the contractual paperworkHowever, Mr*** failed to return any of our finance department's calls to advise him to come back in to sign and when he finally responded, it had been approximately days before he returned the vehicle to us. In the end, Mr*** chose not to purchase the vehicleNot only did we waive a deposit with the borrowed vehicle agreement, but also we did not charge Mr*** for the use of the vehicle for days due to his own delayMr*** is free to purchase another vehicle from another dealer if he wishes. -- *** ***Corporate Customer Service Manager of Paul Blanco's Good Car CompanyIFE Insurance AgencyCA Insurance license 0K48267Cell: ***

The vehicle is current Out for Repossession. We are currently consulting with our legal team as to how we want to proceed with this claim. Mr and MrsBlanco are meeting with the legal team later this week as to their findings and a Response will follow

Prior to Ms***'s purchase of her Toyota Highlander on 12/14/13, we did our due diligence in that we accessed reliable and comprehensive records concerning the history and current condition of the vehicle. We purchased Ms***'s vehicle at Adesa LA auction on 11/19/as a "Green Light" vehicle with the title attached and no indication from the auction as to any prior damage.In the interest of transparency we shared with Ms*** the following extensive detailed records that were obtained and made available to herIncluding:- CARFAX which showed no issues reported- NMVTIS check which reported no issues.- Autocheck which likewise reported no issues.- UVD (Used Vehicle Disclosure) indicating the vehicle's prior history and/or use as known by us at the time of delivery was not a factory executive vehicle, dealer vehicle, rental, taxicab, publicly owned or salvage vehicle. - Buyer's Guide marked "As Is - No Warranty" and stating "You will pay all costs for any repairs(Note: Ms*** also purchased an extended service contract for her own added protection).- Due Bill stating the vehicle was "sold as equipped" with "nothing else promised or implied."Ms*** acknowledged receipt of a copy of all of these documents with her signatureWe have attached these documents to our response here as well.We also made available to Ms*** any and all internal tickets generated on this vehicle in our shop.So it is evident that Ms*** had all the information to make a well thought out purchase decision.For the safety of our customers we do a multi-point safety inspection that meets all industry standardsAnd a smog test.We also performed the following miscellaneous reconditioning and peace of mind work on this vehicle before we delivered it to Ms***:Oil and filter changeReplaced batteryReplaced front and rear brake pads and resurfaced and turned rotorsRotated and balanced tiresProgrammed TPMS for wheels/tiresPerformed other miscellaneous tuneup work.On 6/15/15, almost a year and a half after her purchase, Ms*** came back top us with a brake pulsation problemAs a courtesy to Ms***, we road tested, verified and inspected the brakes, and found that due to Ms***'s failure to maintain her vehicle, the rear pads were almost gone, and front rotor was a minimal specifications in terms of their condition (at 7/32nds legal spec).Our service centers primarily perform pre-sale safety inspections, smog, and repairs of our vehiclesWe do not normally perform services beyond the 30-day post sale period. However, as a courtesy to Ms***, we resurfaced her vehicle's front rotors and sanded the pads, and replaced rears rotors and padsWe charged Ms*** $(not $240) for the front pad labor and rear pad/rotor replacement. Our employees brought this vehicle up to every standard and it was in as good a condition as was possible when Ms*** took deliveryAs we strive to do with every vehicle, we went the last mile in informing this customer as to the history and repairs that were performed since the vehicle came down the assembly lineAnd repaired or replaced every single thing that might remotely need to be replaced to ensure the safety of her vehicle. What has or has not happened to the vehicle since Ms*** took delivery we have no real way of knowingHowever, we and Ms*** were completely aware of the history and repairs performed at the time of her purchaseAnd she had every tool available at her finger tips to make an informed buying decisionAll of which was documented at or around time of purchase.Thank you for allowing us to shed some light on this situation

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
Thank you very much

I am rejecting this response because: at the time I met with *** he assured me that if I had the finance company come pick up my old car that I was initially using as a trade in that it would not affect my credit at allHe then explained that many of his clients have done the same per his directions to do soHe also notified my husband the same information when we met him at his workAfter the fact that I purchased the new car from him I was assured that if I gave my old car back to the finance company it would go on my credit as a repossession and ruin my creditI trusted *** as a qualified sales person and am stuck trying to maintain the payments for both vehicles and am asking for some kind of compensation due to the fact I have lost so much money to maintain both payments on the vehicles in order to not ruin my creditYour company is supposed to help people build credit not help them ruin their credit

Mr***'s plates have been mailed to him from our business offices in SacramentoMr*** was contacted yesterday and advised of this.For the record, Mr*** mentioned that it takes to weeks for the DMV to deliver license platesHowever, this does not take into account the dealer's
own processing that must take place before DMV can complete their own internal processing.After a lender agrees to finance a customer's vehicle, the lender begins its process of verifying all the financial and employment information submitted to them about the customerThis is standard procedure with all sub-prime lending programsThe verification process can take up to or more business days and the deal cannot be funded until this process is completedConsequently, the title work process cannot begin until the deal is funded and the title is transferred. We advise all our customers that the report of sale we tape to the interior of their front windshield serves as a temporary registration and covers them for a full days while their vehicle's registration, tags, and plates are processedProcessing times may vary in each case depending on the accuracy of customer information, changes in address or P.OBox, or title transfers from out-of-state, for exampleThis is why we make sure the customer is covered by the temporary registration for an ample period of days

I am rejecting this response because: I have left messages for *** and she has not returned my calls My number in case she has lost it or just continues to ignore me is ***I only want this resolved it has been moths of no response from Paul Blanco

We would like to start by saying, we are still in the progress of looking into this matter. We have employees who were involved with this customer, that we have not spoken to as of yet. However THE Check for $is Ready for Pick Up at the Front Desk in Sacramento
Store.I just tried calling *** to let her know this, however, I got her voice mail and I did leave a message.We are taking this complaint very seriously, and will be following up on a statement to the Customer and Revdex.com in a couple of days

I am rejecting this response because: I WAS NOT TOLD THE CARD WOULD BE CHARGED AND DID NOT EVEN SIGN THE CARD AUTHORIZATION UNTIL DAYS AFTER THE PURCHASE WAS MADEIT WAS NOT SIGNED OR REVIEWED AT TIME OF PURCHASECHECK YOUR RECORDS AND THE DATE OF THE SIGNATUREIT WAS EMAILED TO ME AND I HAD THE CARD OWNER SIGN ITTHE CARD THAT IS USED WOULD NOT EVEN ALLOW A CHARGE FOR THAT AMOUNT AS IT HAS A DAILY LIMIT OF $FOR *** PURCHASESTHE SALESPERSON, ***, EVEN OFFERED TO MAKE THE FIRST PAYMENT FOR USWHEN I CALLED BACK AS WE RECIEVED A LETTER STATING THAT WE NEEDED TO RETURN THE VEHICLE AS THE FINANCING WAS NOT SUFFICIENT (EVEN THOUGH THE BANK HAD COMPLETED AND APPROVED THE LOAN) I SPOKE WITH A MAN WHO I HAVE REFERENCED IN PREVIOUS CORRESPONDENCE (CAN NOT REMEMBER HIS NAME WHILE TYPING THIS-BIGGER BLACK MAN) THAT STATED PAYMENTS WERE ALWAYS ACCEPTED AND THAT HE HAD NEVER HEARD OF THIS ONE TIME CHARGE BEFORE. PAUL BLANCOS SACRAMENTO TAKES ADVANTAGE OF PEOPLE AND IS COMPLETELY GUILTY OF BAIT AND SWITCH. IT IS A REALLY SHADY BUSINESS AND THEY REALLY SHOULD BE INVESTIGATED FURTHER. I WILL MAKE SURE EVERYONE KNOWS OF THE SHADY BUSINESS PRACTICES AND THAT NO ONE I KNOW EVER SHOPS THEREIts a wonder they are still in business and that the Revdex.com has even accredited themI HAVE LOST ALL FAITH IN THEM AND GOD FORBID THE CAR HAS AN ISSUE, WILL GLADLY PAY SOMEONE TO FIX IN INSTEAD OF USING THE "REQUIRED" WARRANTY. YOU DONT HAVE THIS MANY COMPLAINTS AND ISSUES FOR RUNNING A LEGIT BUSINESS