Complaints

This profile includes complaints for John Gibson Auto Sales, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  John Gibson Auto Sales, Inc.

  1425A Airport Rd Hot Springs, AR 71913-7955

• 

  John Gibson Auto Sales, Inc.

  1425 Airport Road, Hot Springs National Park, AR 71913

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to urgently address the errors on my credit report caused by the unauthorized sharing of my personal information with credit bureaus, which has led to serious financial and emotional hardship. Under 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to remain confidential. Moreover, 15 USC 1681 Section 604(a)(2) states that consumer reporting agencies cannot share account details without my explicit permission, which I have not granted. The discrepancies linked to J GIBSON AUT have harmed my financial standing, and I request immediate correction. Additionally, per 15 USC 1666(b), creditors are prohibited from marking credit card payments as late under certain conditions. Here are my account details for reference: Account Number: ********* Please conduct a thorough review and correct these inaccuracies as required by law. Failure to resolve this issue may lead to legal action. I look forward to your prompt attention and resolution. Sincerely, ******* *******

  Business Response

  Date: 09/20/2024

  Dear BBB, 

   

  We are in receipt of complaint ********* from ******** *******. We have investigated this complaint and have found the following. ******** ******* entered into a retail installment contract with John Gibson Auto Sales upon purchasing a vehicle. This vehicle was repossessed, And was processed through strict foreclosure. We have looked into the credit report and have found that the account is being reported accurately as a paid repossession. We believe we have acted in appropriately , but should your office need anything further please feel free to reach out. 
  

  Thank you,

   

  ****** ****** ********

• Initial Complaint

  Date:10/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been working with this company and set up on payment plans. I have never missed a phone call and reached out to them multiple times. They put my car in repo status and never called me because I missed one payment of our payment arrangement without my knowledge. They want 1900 to take it out of repo status but they haven’t even picked up the car and they won’t take any payment from me. First it was 1300 two weeks ago and now it is 1900 and they keep accumulating charges. I think it’s wrong that I’ve offered to pay the entire past due payment in the next 3 checks but that they won’t even take any money from me less than the full amount.

  Business Response

  Date: 10/17/2023

  Dear Office of the BBB,  
   
   
  We are in receipt of the complaint from ****** ********. We have investigated this complaint and found the following. John Gibson Auto Sales is a car dealership located in Hot Springs, AR. And it affiliate, Cannon Finance, Inc. Is the related finance company who specializes in the servicing and collections of the accounts that it purchases from John Gibson Auto Sales. Ms. ******** purchased a vehicle from John Gibson Auto Sales on February 24, 2023. The account has now been purchased by our related finance company, Cannon Finance, Inc.  After purchasing, the first payment was made late and since then partial and late payments continued until present where the account now stands at 67 days past due, and Cannon Finance, Inc. Has not received a payment in over a month. 
   
  In accordance with our collections policy, several phone calls were made, and  on August 10, 2023 an Intent to Repossess Letter was sent to Ms. ********. A last call attempt before escalating to repossession status was also made. To be clear, it is not our or our related finance company’s desire to repossess anyone. However when our collection attempts are not successful and previous promises have been broken we must turn to repossession as a last resort option. We also would like to mention that it is not that charges continue to accumulate, but rather that Ms. ********'s payment falls on the 10th of every month, and therefore her past due balance increases at that time. Once an account is escalated to repossession status a 3rd party repossession agent begins to work the account and repossession charges begin. It is not just at the point of recovery of the vehicle that charges occur, but rather when the 3rd party begins to put hours in working to recover the collateral. This decision is not made lightly 
   
  We would like to work with Ms. ******** to resolve this complaint, and encourage her to reach out to our related finance company to discuss. She can reach to the Cannon Finance, Inc. Collections Manager ***** ***** at 501-767-9900.  
  
  Please let us know how we can further assist.  
  
  John Gibson Auto Sales 
   
   

• Initial Complaint

  Date:01/03/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  November 19th 2019 I surrendered a vehicle with less than 1000 miles added to it from when I purchased it. They closed the account on my credit November 30th 2019. I am not attempting to purchase a new vehicle and transunion flagged this transaction. I contacted John Gibson to see what was going on and they informed me they severely undersold the vehicle for what it was worth. I purchased the vehicle for $9,929, the average retail when being sold is between 4 and $5,000. They sold the vehicle for a little over $1,000. Now even though the account shows closed in my credit they've basically frozen my credit saying I have an $8,806 outstanding balance. I surrendered this vehicle on good faith as covid was just starting and I lost my job as a result. If I would have known they would turn around and ruin any credit I once had I would have never purchased it to begin with. I would like this to be rectified due to the fact I'm currently needing a new vehicle and their dirty wrongdoing is keeping me from doing so.

  Business Response

  Date: 01/05/2023

  Dear Office of the BBB,  
  
  We are in receipt of complaint #******** from consumer ***** *******. We have investigated this complaint and have found that Mr. ******* did not purchase from John Gibson Auto Sales, but rather purchased from another dealership. The only commonality is that the dealership they purchased from sold the account to our finance company, Cannon Finance, Inc. We were informed that a member from the finance company has attempted to reach Mr. ******* at the number provided to discuss the complaint and work towards a resolution. Unfortunately, they were unable to reach him. We would encourage him to reach out to our finance company, Cannon Finance Inc. at 501-767-9900 ext 321. We feel we have acted accordingly, however should your office need further information. Please feel free to reach out.  
  
  ****** ********* ***  **** ****** **** *****  
  

• Initial Complaint

  Date:12/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/06/2022 called to make a payment of $560. I knew I was behind but not much due to staying with my brother in Arizona in May 2022 so he wouldn't die alone which he passed June 17,2022. I've been making what I can on my payments which are around $556. So I call to make payment and the lady I talked to refused my payment. She said it was in repo but wasn't for sure if the guy done paperwork yet. She gets back on phone and says he hadn't done the paperwork yet. I ask her again about taking my payment She says she can't except it. I ask her why she is refusing my payment but can't take anything lower than $1,061.89 (not sure about the change part). So I hung up and called back 10 minutes later and video recorded my conversation with the same lady. I asked her the same question and got the same answers except I told her I'm not asking her to take it off repo if that's what she has to do. I'm asking her to take my $560 payment repo it if she needs to but that would only leave me less than a payment behind so I can come pick back up after i get $501.89 plus all the fees of repo and whatever they are wanting to tack on me so they make more money. She still said she couldn't take my money. I asked again why she is refusing my money again she said she's not refusing but can't except any less than $1,061.89. Most people go to places like this cause they don't have $1,000 laying around. I'm on disability and need this ride to get to doctors. I'm not asking for special treatment I just want them to take my payment so if they do repo it it will be a lot easier for me to get the money to get it back. I feel they are making things harder on people so they can make more money through charging fees. I just want to make a payment. Please help. I have they video if you need to see it I can send it.

  Business Response

  Date: 01/30/2023

  Dear Office of The BBB, 
  We are in receipt of the complaint from consumer, ***** ******** and have conducted an investigation into this matter. ***** ******** purchased 08/06/2021 from John Gibson Auto Sales and entered into a retail installment contract. John Gibson Auto Sales is a used car dealership in Hot Springs, AR  that specializes in selling used inventory. Cannon Finance, Inc. is the related finance company to John Gibson Auto Sales. Cannon Finance Inc., purchases the note after the point of sale and is responsible for the servicing and collection end of the note after note purchase.  We can speak to our procedures as pertains to collections which is that we call, text, email, and send letters all prior to repossession action. It is our goal to work with the customer for as long as we can, but when an account is escalated to repossession status the account needs to be cured due to the fact that there are often additional fees that accrue from the repossession firm, transport, or other parties. Since Cannon Finance is the holder of the note and lienholder, we suggest that Ms. ******** get in contact with them to discuss this matter. It is always our goal to provide full customer service. We feel we have acted accordingly under the law, but should your office need further assistance feel free to reach out to us.  
  
  Thank you, 
  
  ****** *******  ********* *******  **** ****** **** *****  ************  ********************************

• Initial Complaint

  Date:10/07/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a truck from John Gibson auto July 2, 2022. I set it up for automatic draft for my payments, I was unaware that my payments were not being made, after talking with my bank I discovered that they only tried to pull payment out on August 15, 2022. Only one time. And didn’t attempt to pull payment out on September 15th. They could not get ahold of my by phone, and said they sent a letter but I never received one, it’s been repossessed, now they are telling me I can not get my truck back until I pay current, plus repo fees, and I have to get the vehicle registered before I can pick it up. They only gave me till October 15th to get everything done. They have failed to do their job and now basically stealing my truck back. I was unaware that payments wasn’t being made until they showed up to take the truck at my job. After being in the phone with several people at John Gibson auto I have caught them in multiple lies.

  Business Response

  Date: 10/07/2022

  Dear Better Business Bureau, 
  We are in receipt of Mr. *******’s complaint that was submitted to your office. We have taken the time to investigate these claims and have found the following facts. Mr. ******* purchased a vehicle from John Gibson Auto Sales on July 2, 2022. Shortly thereafter he chose to set his account up for automatic draft of his monthly payment from his bank account. On August 15th, our system attempted to draft the funds twice at separate times during the day, and the payment failed due to insufficient funds. Multiple phone calls were made and our company was never successful in reaching Mr. *******. Multiple collection letters and an intent to repossess letter were mailed out to the address Mr. ******* provided us, but were returned as undeliverable. After all of our efforts proved to be unsuccessful, a final last fall attempt was made to Mr. *******’s home and work numbers that had been provided. It was at this point the account was escalated to repossession status. Repossession is not an action we take lightly, and was only taken in this case as a last resort when the account had defaulted and all efforts to reach Mr. ******* had been exhausted to no avail. Mr. ******* was approved to reinstate his vehicle and provide us with valid vehicle registration within 10 days of the date of repossession. This is our normal time frame, but as a courtesy we would be willing to give him an extension on that time frame. We feel we have acted accordingly however should you need any further assistance, please do not hesitate to reach out to us. 
  Thank you, 
  ****** ******* 
  Assistant Manager 
  John Gibson Auto Sales

  Customer Answer

  Date: 10/07/2022

  
  Complaint: ********
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *******

  my bank records indicate that they only tried one time to pull funds on August 15th. I was told by John Gibson Auto that I was issued one letter which went to my physical address not my mailing address. Therefore it was returned. I also told them my phone was private due to all the late night scam calls. They understood that, but I receive emails daily, they had my email and failed to try to reach me. The issue with them not receiving payments was not due to no funds. It was due to a spending limit on my card that I was unaware of until I talked with my bank. I also went to John Gibson Auto today October 7th with $4000 cash to get my truck current. After calling them ahead of time to make sure i could get my paperwork as soon as I got their so I could make the 3.7 mile drive to the revenue office by closing time, they told me to have a seat and they would be right with me, after driving two hours to get my truck they made sure I was late to get to the revenue office. Therefore I have to go home with no truck, and try to find someone to bring me back next week. Missing work to do so. I was asking to pay what I owe and be caught up on payments and take the truck home with a promissory note that would have been notarized by them. But they once again fails to do that to help me out. I feel as if they have made every attempt to keep me from getting my truck back. 

  Business Response

  Date: 10/13/2022

  Dear Office of the BBB, 

   We have worked directly with Mr. ******* and assisted him in reinstating his account. We feel we have acted appropriately and extended customer service at every opportunity. We consider this complaint fully resolved with Mr. *******, but should you need any further assistance please contact us and we would be more than willing to help in any way we can. 

   Thank you, 

  ****** ******** CCO

   

• Initial Complaint

  Date:07/15/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have tried to get ahold of them due to me being gone for work and the military...my truck hasn’t been driven and I took the insurance off so I could afford to put a new transmission in the truck I bought from them! I can’t call or text I can only email trying to make payments and no one will answer me and I don’t want them getting my truck they are blowing it off and I’m starting to get aggravated I’m just looking for someone to take a payment from me!

  Customer Answer

  Date: 07/15/2022

  I can’t get to office due to work and phone is inaccessible here I have tried by email no mailing adress here due to not being able to get checks 

  Business Response

  Date: 07/18/2022

  Dear Office of The BBB, 
  
  
  We are in receipt of the complaint from your office, and have conducted an investigation into this complaint internally. *** ********** states that he has tried to get ahold of us unsuccessfully in order to make a payment. However that is not the case. We have exchanged multiple emails with him, and provided him with a means to make payments via email since he stated that he was unable to use his cell phone to call in a payment. He failed to follow the instructions of our email, and has failed to get us payments in the mail or through any of the other available payment channels as well. It is our priority to take every opportunity we can to work with our customers to come to a reasonable solution for all parties involved. We can certainly state that refusing payments from a customer is against company policy and not a practice that would've happened as we are in the business of taking payments here. We also have high regard for our servicemembers, and have policies and procedures in place to ensure compliance as pertains to the SCRA. However when we searched the ********** ** ******* ******** **** ****** there was no information found for *** **********. We also called the ********** ** ******* ******** *******, and they stated that *** ********** is not in their system. We are confident we have acted diligently in good faith, and consider this complaint closed within our office. However should you have any further questions for us please do not hesitate to reach out to us for assistance. 
  
  
  Thank you, 
  
  
  ****** *******

  Assistant Manager