BBB Accredited Business since
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This company offers direct loans & dealer sales financing.
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A BBB Accredited Business since
BBB has determined that Reliable Credit Association, Inc. (WA) meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for Reliable Credit Association, Inc. (WA) include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 2 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.
Industry Ratings Comparison
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||2|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
Department of Revenue Washington State
Department of Revenue ( Public Records Division), PO Box 47478, Olympia WA 98504-7477
Phone Number: 800-647-7706
Department of Financial Institutions
152 Israel Rd SW , Olympia WA 98501-9033
Phone Number: 360-902-8700
Fax Number: 360-902-8760
Type of Entity
Business ManagementMr. Benjamin Scheele, Manager
Consumer Finance & Loan Companies Savings & Loan Associations Financial Services Escrow Service Financing Consultants Loan Servicing Financial Planning Consultants Financing Loans Loans - Small Business
14916 E Sprague Ave
Spokane Vly, WA 99216 (509) 924-1114 Directions
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Complaint Trends - Last 3 Years
Customer Review Trends
BBB Customer Review Rating plus BBB Rating Overview
BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.
|Customer Review Experience||Value|
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
|Negative Review||1 point per review|
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Read Complaint Details
Complaint: This company is terrible to its customers. We financed a vehicle through them and made 6 or 7 payments all on time or early and above the payment amount. In April of this year they repossed it for it being past due 36 days on half of a payment. They sent a letter stating we had 5 days to contact them and the letter was delivered to us 9 days later and actually 3 hours after they had repossed this. They told us we had to pay for the vehicle in full and we did. Everything about this company is terrible business practices and people need to know to not do business with them. They are now posting a repossession on our credit in all actuallity we had grounds to sue but our attorney advised us it would be cheaper to pay the vehicle off. We've contacted the credirt bureaus to have this changed to PAID IN FULL but relaible credit believes in mistreating their customers. We should have never been treated this way and hope more people give them an "F" in customer service like they deserve
Desired Settlement: We want Reliable Credit to change the standing on our credit from Repossed to Paid In Full. They were in the wrong and they know it. If its not resolved I will have my Attorney file my complaint
December 20, 2011
BBB Serving E WA, <st1:place w:st="on">N ID & MT
152 <st1:place w:st="on">S Jefferson STE #200
<st1:place w:st="on"><st1:city w:st="on">Spokane, <st1:state w:st="on">WA <st1:postalcode w:st="on">99201
RE: ID# 8843697
Reliable Credit Association, Inc repossessed our collateral (the vehicle) after receiving no response from multiple phone calls, emails, and a series of 4 letters to Mr. *******. The final notice advising of possible repossession was sent on March 22nd advising Mr. ******* to remedy his account within 5 days. The account was 38 days past due when the collateral (vehicle) was repossessed 8 days later on March 31st.
After the repossession Mr. ******* did contact our office to determine how he could redeem the collateral (the vehicle). As per the terms of his contact, Reliable Credit Association, Inc. advised Mr. ******* he would need to payoff the entire balance. On April 8th Mr. ******* paid the account in full and the collateral (the vehicle) was returned to him.
While Mr. ******* may not like Reliable Credit Association Inc’s reporting the credit bureaus, it is accurate. The correct reporting is a repossession as of March 2011, with a paid in full balance as of April 2011. Difficult news can be difficult to both deliver and to receive. However, Reliable Credit Association, Inc endeavors to deliver our services with a smile, with professionalism, and in a manner consistent with how we ourselves wish to be treated.
******** ** ******* Branch Manager
Better Business Bureau: Not only was there NO emails there was not 4 letters. There was one letter which stated we had 5 days to respond and it ARRIVED at our P.O. Box 9 days later !! After contacting this Attorney about The matter our attorney agreed we had grounds to file suit but litegation would cost more than the Payoff amount , which i might asdd was jacked up by their added fees and tow charge. This was premature and they know it. I personally drove over ther 6-7 months straight paid early and over the amount due. They took this rig on $98 dollars owed for a $170 payment. They can say what they want but if its not changed I will present the letter that was 9 days late to the attorney and file suit
Reliable Credit Association, Inc.
BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved
Problems with Product/Service
Read Complaint Details
Complaint: We are in the process of trying to get our car back since we missed one payment and the company repo'd it. The guy we are working with named **** ******* said we needed to come up with 1400the to get our car back and we wouldn't have any hassles. Well after calling over and over (he wouldn't return our calls) we found out that we couldn't get the car back because of this auction house needing to set it up with him for us to get the car back. Oh and we were informed we had to have a gps unit on the car because of we ever miss another payment they will come and take yhe car and we won't get it back. So we came up with the money to get the car and now the guy won't release it and tells us he doesn't care if we get our car back or not. He was completely rude and won't answer any questions that we have. So now we have the 1400.00 for the car and we can pay it but not sure of we even get the car back. Seems like a very shady business and deal. DON'T TRUST **** ******* he is rude and not willing to help out with anything.
Desired Settlement: We would like our car back and then personally I would like to see this **** ******* fired for lack of customer service because no body deserves to be treated the way he treated myself.
*** ******** automobile was lawfully repossessed as per the default terms of his contract on October 25, 2011. *** ****** contacted our office by phone on October 26, 2011 and **** ******* fielded his call. The contract *** ****** signed states that, upon default, and ensuing repossession of the automobile (collateral) the entire PAYOFF is due or Reliable Credit Association, Inc. has the right to sell the collateral. After discussing the reason for default and determining that *** ****** had the ability to make future payments in a timely manner, **** ******* determined *** ****** was eligible to reinstate his contract and redeem his automobile for the amount of the past due payments, repossession fees and the cost of a GPS device (far less than the PAYOFF).
In this particular circumstance, the auto was repossessed out of state. **** ******* had to coordinate with a 3rd party company to install the GPS and release the automobile to *** ******. If the repossession occurred in the
Reliable Credit Association, Inc. (WA)
Spokane Branch Manager
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 8788163, and find that this resolution is satisfactory to me.
BBB's Final Determination: Consumer accepted resolution offered by the business.