I was lied to about credit reporting.
****** says she will call back next day with proper information I need and never calls back.
When I first purchased my 2002 Nissan Xterra in June 2013 I was told by ****** that this was going to be turned into the credit agencies in order to build my credit. In June of this year I found out that this has not been reported to any credit agencies. Soon after I purchased the car I started having engine trouble. The vehicle had to be towed to credit now twice for the same problem. Supposedly the Nissan was repaired both times. According to ****** her mechanic said it was the fuel pump. The car ran fine for about six months and then starting doing the same thing it did before. I took it to my own mechanic and he said the problem was never fixed just rigged to get it to work. my mechanic had made the statement he is surprised that the vehicle did not blow up. He said were it was not fixed properly that it was burning wires. I spent over 300 dollars in parts to have the fuel pump fixed properly and for a new wiring harness to be put in. I have many issues with ****** saying she will call me with important information on my payments and she never returns my calls. I have had her call me a liar on the phone (I have witness to this conversation between her and I) ****** says she will call me back the next day and I never hear from her again. my mom has called (she is the co signer) about information, she lies to her and never calls her back. I called within the last week for information about when my payments are due she said she would call the next day. I have yet to hear from her. In September 2013 I had my oil changed and the mechanic checked my air filters and showed me that they were completely molded. I was also pregnant at the time and was breathing the mold in.
yes I am one payment behind due to switching from by weekly to monthly. I was under the impression it was switched to monthly because I never received a phone call stating other wise. I have been paying monthly since June 2014 (330 a month.) I received a call in august 2014 saying I was 500 dollars behind (I haven't missed a payment but in July when I paid 171.00 instead of 330.) I was then told by someone other then ****** that I was never switched over. I called and talked to ****** the next day and asked since it never got switch to monthly when my payments are due now and she said she would call me the next day. That was last Tuesday. I have yet to hear from her.
I would like them to take the car back without any penalties because I am tired of dealing with these problems and them not being resolved!
In response to the BBB Complaint against Credit Now filed by ***** **** on Aug. 16th 2014:
This letter is intended to respond to the allegations made by ***** **** in her complaint to the Better Business Bureau ("BBB") on Aug. 16th 2014 regarding Credit Now Auto Sales, Inc. ("Credit Now"). At the time that Ms. **** purchased her vehicle, Credit Now was reporting payments to ********** and likely informed Ms. **** of this reporting activity. If none of her payments are showing on her credit bureau report she may need to contact Transunion to get more information.
As it relates to the complaints regarding the maintenance and repair of her vehicle, Ms. **** became responsible for the repair and maintenance of her vehicle when she purchased it, subject to the 6 month 6,000 mile warranty provided by Credit Now. The service records for Ms. ****'s vehicle show she only has 3 tickets. The first ticket relates to a repair to her rearview mirror that we promised to repair at the time of the sale. We ordered the needed part and completed the promised repair as well as charging her AC unit and replacing her gas cap at no charge. The second ticket is dated Sept. 12, 2013 and related to a replacement of her fuel pump. Ms. **** was charged her warranty deductible of $100 and her fuel pump was replaced. The third ticket was related to replacing the starter on her vehicle. Again, we repaired that issue under her warranty and did not charge her a deductible. Ms. **** never communicated to Credit Now any other issues with her vehicle, including those alleged in her complaint to the BBB. She has provided no documentation of the alleged issues or repairs and made no allegation that said repairs should have been covered under the warranty provided to her by Credit Now.
As it relates to the allegations in Ms. ****'s complaint regarding her past due payments and Credit Now's collection efforts, Credit Now responds as follows: ******* **** emphatically denies that she ever called Ms. **** a liar. Mrs. **** has never called a customer a liar and neither she nor the company would ever benefit from making such a statement. Mrs. ****, as well as other employees of Credit Now, have made every effort, in a professional manner, to help and work with Ms. **** on her account issues. As detailed more fully below, when Ms. **** does respond to collection activity she makes requests to change her pay schedule, which we have tried to accommodate despite no obligation to do so.
On May 29th Ms. **** called and spoke to ***** (a former Collections Manager) and requested bi-monthly payments on 1st and 15th that coincided with her husband's pay periods. She called back on June 3rd and spoke to ******* **** (General Manager) and stated she wanted to change to monthly payments to be due on the 15th of each month. Mrs. **** told Ms. **** that she would put the request through for approval, but that Credit Now had to have consecutive payments showing she could make the monthly obligation before the change would be fully approved. On June 17, 2014, Ms. **** paid $341.96 which was the balance due to bring her account current at that time. Ms. **** then failed to make her next payment which was due on July 15, 2014. Ms. **** called Mrs. **** back on July 19th and stated she was in Florence, Alabama and that she was going to get her husband to sign an ACH form to allow her payments to be automatically deducted from her account. She said she would call Ms. **** back when she had this done. Ms. **** was informed that when she made her monthly payment Ms. **** would try to get the Amendment approved so Ms. **** could sign the paperwork while she was in town. Ms. **** subsequently called back and said she was changing her mind and she wanted to keep the payments the way they were and just get it caught up by the end of the month. Ms. **** then made a payment of $171.00 on July 22, 2014, but did not catch up the account at the end of the month. Ms. ****'s co-buyer called while Mrs. **** was not at the office and wanted to speak directly with Mrs. **** regarding the account. Despite being off work, Ms. **** called the co-buyer from her cell phone trying to accommodate her. The co-buyer stated that Ms. **** was not going to be able to catch up the account and needed to be monthly. Mrs. **** offered to return the co-buyer's call after she was able to go to the office to review the account. After reviewing the account, Mrs. **** attempted to call the co-buyer later that same day but the call was not answered nor returned. Credit Now received a payment on August 15, 2014 in the amount of $330.00 and that was the last payment made by Ms. ****. Credit Now called several times to get arrangements after the Sept. payment was missed. The first returned call we received after payment was missed was on Sept. 24th and Credit Now was first informed that a complaint had been made to the BBB.
It is important to note that Ms. **** never made these complaints directly to Credit Now and only submitted a complaint to the BBB after she was past due on her account and receiving collections calls. Currently Ms. **** is $854.54 behind on her payments and she is still currently set up on a bi-weekly payment plan. Credit Now is still willing to work with Ms. **** on her payment due dates if she can make the monthly payments of $330.00 on or before the 15th of each month on a consecutive basis. She would be required to pay the late fee for the month of September along with her Sept. payment that is past due. She is also required to provide proof of full coverage insurance with correct lien and deductible information as well as proof of current residence.
(The consumer indicated he/she DID NOT accept the response from the business.)
I have had many issues with this business. I have been lied to more then once. I have been called a liar and have been told while my car was under warranty that it was properly fixed and I was told by my mechanic that it never was. I had to pay a hundred dollars while my car was still in warranty for something that was never fixed. NO my car was never reported to a credit agency. I was told when I first bought the car that it would be and was never told other wise. I have found out by more then one credit agency that my car was NOT reported on my credit. I have always been up to date on my payments until july when I paid half of the 330. I quit making payments when I contacted the bbb. My last payment was august 15th. Credit now can come get my car because I am done being lied to over and over again. I call about important information and ****** never calls back. I still do not know when my payments are due since it never got switched over ****** said she would call and still hasnt the only call I have got has been from lauren asking when I was going to make my payment. ****** called saying they would come get my car and they are more then welcome to because I do not want to deal with this business anymore. I do not want to be penalized for them coming to get my car. If I am not penalized they are more then welcome to have it back. I will not be paying anymore payments. Thank you.