Willowbend Apartments

We will stand behind our last response.  If the customer would like to come in and pick another vehicle (the vehicle the customer was interested has sold) we will remove the addendum prices as that seems to be the customers concern.

At this time we have made every attempt to help you.  We cannot not change your credit position and/or the value of the vehicles.  When you are in a position with your credit and equity, we will again attempt to offer you the best deal possible.  If you have anymore issues with the vehicle don't hesitate to bring it by and we will do our best to resolve the matter.

I have reviewed this with the Finance Director and he will be looing into this matter along with calling the customer.  As soon as we are able to come up with a resolution I will update this complaint.

Randy our Sales Manager has reviewed this matter with Mr. & Mrs. [redacted] and came to an agreement.  Randy reviewed the product and contracts and the agreed upon refund is in the amount of $700.00.  The [redacted] requested that we send the $700.00 refund check in the mail and it...

went out 07/25/2016.

Not only is there no resolution to the matter. The dealership scheduled for us to come in...

and then called us the next day to cancel appointment and said that there was nothing that they can do about it. Today I received another call from the dealership asking if I am satisfied with the service. I informed them they owe us for the multiple credit pulls that they did without our permission and was told that they don't owe us anything. They said that they would attempt to retract the hard inquiries. This does not fix the fact that our scores have dropped on all 3 credit companies (even though we were told that they use 1). Problem NOT resolved. A dealership not honoring their online prices, pulling out credit reports many times without permission and now continue to call to see if we are satisfied. They stated that getting us a loan would be at a high interest rate due to inquires (their inquiries to drop our scores).  FCRA states that credit cannot be pulled more than once without permission. Our credit scores are  higher than the last vehicle purchase yet they doubled the interest rate to finance the  vehicles that we are interested in.

In regards to income, to best serve Ms. [redacted] our salesman took the time to review how she calculated her current income and asked how many hours a week she worked.  We found that she was not using the standard formula and then showed her that by taking her hourly rate and multiply it by forty hours.  Then take her weekly income and multiply it by fifty two weeks.  We then took the total number and divided it by twelve months and derived with a monthly income.  The amount difference was $426.00 for Ms. [redacted] and $133.00 for Mr. [redacted] totaling $559.00 per month.  We do this in the best interest of our clients to make sure we can get them the best financing and payments possible.  We take every precaution to prevent fraud.  Upon agreement we had Ms. [redacted] and Mr. [redacted] verify, approve and sign the accurate income documents prior to proceeding with the transaction.  In regards to the price of the vehicle, with the agreed upon price (market value) and the negative equity (balance between what was owed and what the vehicle appraised for) on the trade in, the amount is accurate.Upon further research regarding the trade in, Ms. [redacted] owed $11,843.98 and we listed $12,000.00 on the payoff verification form.  We have issued a check in the amount of $11,843.98 to the lien holder and when we receive the title, we will then send Ms. [redacted] a check in the amount of $156.02 for the balance.

We were able to review all the documents from Ms. [redacted] purchase on July 27,2016.  We have attached a final copy of the Motor Vehicle Retail Installment Sales Contract and Purchase Money Security Agreement signed by Ms. [redacted] on July 30, 2016.   Superstition Springs CJDR were not able to assign the original Motor Vehicle Retail Installment Sales Contract because of several reason which were documented and sent to Ms. [redacted]. She was informed through Adverse Action Letters from each lender and Superstition Springs CJDR. The original agreement was cancelled under section 12 (B) of the Motor Vehicle Retail Installment Sales Contract dated July 26,2016. She agreed to the new terms and signed the new agreement on July 30,2016.  She is able to obtain her own financing and pay this loan off early without penalties or fees as stated in the Prepayment section of her Federal Truth and Lending disclosure.