ComplaintsforWoodside Credit

• Initial Complaint

  07/03/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Woodside has failed to deliver title (pink slip). The loan has been paid in full for months now. According to CA DMV, Woodside has not released the lean. ******** calls to Art ***** and ********************* have failed to resolve the problem in spite of repeated assurances. Now my calls are being sent to voice mail, and I am not receiving a call back

  

  Business response

  07/09/2024

  Hi ******************. We apologize for the delay in receiving your title. We have submitted form ****************************** releasing the lien from the state. Our management is engaged in getting this resolved and will advise when we hear back from the state. Our title department manager left you a voicemail today and is available for any questions. 

• Initial Complaint

  04/26/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Applied for auto financing They denied the loan, so i called to ask as to why. They lied and said i had derogatory marks in my credit. I went a paid to pull my credit and score was 801 with 0 marks. So i called back with my husband to offer them the report And see if we can do anything about the loan approval. But *****, was very rude answered no questions and spoke and acted in a weird way because i was Armenian. She pretty much indirectly said we were denied due to my nationality.

  

  Business response

  04/29/2024

  The issue is the unauthorized use of your spouses credit information to apply for a loana situation explicitly reported to us during the call. Additionally, the inappropriate language and profanity exhibited during our communication do not align with our business principles.
  
  We value professionalism and respect in all business interactions and must insist on maintaining the integrity of our practices.Please be aware that we fully support our team and their responses.
  
  Should you have any questions or wish to discuss this matter further, please do not hesitate to contact our office at your earliest convenience.

• Initial Complaint

  02/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Woodside Credit LLC Loan Application: ****** Requesting ECOA notice and statement of specific reasons for application denial under 12 CFR ****.9(b) for an auto finance loan submitted by corporate surety ******************************* on 1/22/24 . Completed application was submitted on the woodside credit website as evidenced by the circled inquiry on page 12 of the "Experian.pdf" credit report attachment to this complaint.The applicant would like to request the creditor under 12 CFR Part **** to re- evaluate this application upon receipt of this notification and to withhold any information in the creditworthiness analysis process that reflected the credit history being used as a considering factor for the denial of this application under 12 CFR ****.6(b)(6)(ii). Failure to respond to this complaint will be viewed as willful and gross negligence under these federal codes. Please respond within 14 days to prevent further litigation.

  

  Business response

  02/02/2024

  Hi Mr. **** An adverse action notice is mailed to the address on your application with the specific reasons for denial within 30 days, including the **** notice. If you need the notice immediately, please let us know here, and we will find a solution to get it to you sooner. We make our underwriters available to discuss decision-making and help provide insight to clients during business hours. If you feel something inaccurately reflects your creditworthiness or your circumstances have changed, let us know what those circumstances are, and well be happy to reevaluate. Our mission is to provide the best loan program to enthusiasts and collectors, starting with commonsense underwriting. 

• Initial Complaint

  12/22/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I bought a car via Woodside Credit 4 months back but still no permanent tag. Their responses are vague and unhelpful. They keep sending me temporary tags after I contact them because the temp tags keep expiring and still no permanent tag, There's a recurring issue where I'm asked for the *** verification, which I've already submitted. Each time, this mistake is acknowledged, but no permanent solution is provided. they never follow up and don't deliver on promises. This situation is causing significant inconvenience and stress and my temporary tag is expired again leaving me unable to drive my car. All I am asking is a clear timeline for receiving my permanent tag so I can finally drive my car legally. Caution to anyone considering Woodside Credit.

  

  Business response

  12/28/2023

  Hi Mr. ***** Thank you for making the time this week to sort out registration. We apologize for the delay and will keep you posted on the progress. We are available and happy to answer any questions. Again, thank you for your business, and we look forward to getting this resolved.

   

  Customer response

  01/18/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ******* Coup
  
   
  

• Initial Complaint

  12/06/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On August 28,2023 I use Woodside Credit to get a loan to purchase a classic car (**** Mustang). Woodside credit state on the website that they handle all the transactions to include the vehicle registration. The company did not ensure that the title was signed by the true owner of the vehicle. Now I have a vehicle which I cannot register or legally own. As of 12/06/2023 I have not received the title and the company do not communicate all that they do is give you different people every time you call. It's as though doing Comsumer fraud.

  

  Business response

  12/08/2023

  Hi ****************. Thank you for the opportunity to reach you today. I apologize for the delay and any lack of communication during the registration process of your vehicle. Given the complexities with the title provided by the seller, were doing everything we can to register your vehicle
  The issue centers around the the fact that the daughters seller signed the title, but did not have the jurstiction to do so. Given the complications, **** enlisted help to provide information to the sellers daughter to get a decree that names her as executor,allowing the release of the vehicle title.
  This continues to be a unique situation and were doing everything possible to complete registration. We are currently waiting on the state to complete the approval of the executorship and the transfer of the title. Once this is finalized, we will be able to proceed with the registration of your **** Mustang. We understand that this process is taking longer than expected, and we sincerely apologize for any inconvenience this has caused you.
  In the meantime, we are committed to keeping you informed at every step. To ensure more consistent communication,Manager ***** and VP of Risk, **** will be your contact moving forward.
  We appreciate your patience and understanding in this matter. Rest assured, we are making every effort to resolve this issue as swiftly and efficiently as possible. Your satisfaction is our top priority, and we are dedicated to ensuring that you can legally drive and enjoy your classic car without any further complications.
  Thank you for your continued patience, and please feel free to reach out to **** or *********** 

  Customer response

  12/11/2023

  They call me with an explanation but the issue has not been solved. I'm waiting on and update.

  Thank you

  

  Business response

  12/11/2023

  Hi ****************. Like we previously mentioned, we are awaiting the state on the current item. We are unable to provide an ETA due to the nature of some of these items being outside of our control. We continue to be in touch, like we were today. We will keep updated. We appreciate your patience as we do everything possible for you.

• Initial Complaint

  08/16/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Purchased a car from Woodside credit in April 2023. As of today 8/16/2023, I still have not received my tags and can no longer drive my car due to expired tags. Ive been in contact with *****, *********, and ******. *** left numerous voicemails and emails. Its difficult to get a response back. They sent my title information via ***** and was shipped to the wrong address. I dont understand why would a company send title of a car without requiring a signature on receipt. ***** is requiring Woodside Credit to file a claim for the lost package. I would like to get this issue resolved as soon as possible. A new title should be sent ASAP. So that I could get my car registered with the ****

  

  Business response

  08/22/2023

  Hi **************. I appreciate your patience as we work together to resolve the delays with your registration. Weve provided new temp tags and continue to orchestrate document movement through ****** The process of reconstructing the title documents is also already in progress. We continue to be in contact with you and look forward to getting this resolved. 

• Initial Complaint

  05/12/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I applied for a collector car loan with Woodside Credit. After applying, I was verbally quoted for their lowest rate (8.5%) based on my creditworthiness at the term I'd selected. The paperwork received had and APR of 8.8%, not 8.5% as agreed upon and the down payment was now 15%, not 10%. When I asked about the difference, I was told that they added an additional .3% to account for title, taxes and fees and my down payment was different because of the age of the vehicle, never mentioned previously. I asked if I could take care of my titling myself and was told no. After the buyer had been paid and the deal had been finalized and closed. I received an email asking me to sign a notarized POA so Woodside could complete my *** work. I responded that I was away on Military duty and would take care of it in a few weeks when I returned. They said it wasnt an issue. Soon I received an email informing me that their local *** was backed up 6-8wks and was asked to take care of my *** work myself. I agreed and they said that they would send me the title and a refund for the taxes. They originally rolled that $$ into the loan and gave me no option to complete my *** work myself so the amount they sent via check would not reflect the actual amount they charged me to complete the *** work. Its my perception that they are now in violation of the contract that wed agreed upon since they are neither completing the work they agreed to do yet are still charging me to do it. I responded multiple times asking them to correct my loan to reflect the correct interest rate and the correct amount financed since they were no longer completing the *** work. They told me to send everything back and THEY would do the *** work. When I questioned that, all of a sudden, there was no backup and they could do it in 2-3wks. Bait and switch; sell me one service and once my loan is sold, change the deal but still charge me for it without giving me any additional options.

  

  Business response

  05/15/2023

  Hi ****************. Rate and APR are two different items, and both are listed on the documents you signed for the loan. APR is a broader measure of a loans cost and fees and other finance charges expressed as a percentage to illustrate the true cost of borrowing. Down payment information is listed on our website on the loan page. The text reads, Down payments vary depending on selling price and age of the vehicle, typically ranging from 10%to 20%. (Vehicles over $300,000 may require a larger down payment.).
  
  On April 24, you let ** know you prefer to do the title work on your own due to backlogs, and we offered to overnight a refund check when completed. Its our understanding you are experiencing delays in getting the vehicle registered. Were happy to get your car registered either way. We left you a voicemail and sent you an email, and would be glad to connect to walk through your documents with you.

   

• Initial Complaint

  04/29/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  On March 23, 2023, I submitted a request to Woodisde Credit to have my title sent to the ** DMV so that I could register my vehicle. Woodside Credit had sold my loan to ****************** back when I originally was given the loan. I've spoke to both Woodside Credit and Commerce West trying to get a status of my request through email and also by phone. The representatives at Commerce West have been very helpful but their hands were tied since Woodside Credit held the title even though the loan was sold to them. A rep at Commerce West was trying to get someone to respond to my request but wasn't able to get a response back. The Commerce West rep was going to escalate the request to her manager so that he may be able to get this request resolved. Yesterday (4/29) I emailed Woodside Credit asking for an update and as of today no reply has been given.

  

  Business response

  05/08/2023

  Hi ************************. We apologize for the delays that there have been had in getting you your title so you can transfer your registration to your new state. The title has been coordinated and is being mailed to the address of your local tax collector per request. Our title team has left a voicemail on this status and we will continue to be in touch to ensure your tax collector receives the title. Thank you for your patience and let us know if you have further questions or concerns.  

  Customer response

  05/09/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  04/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My complaint is there was an error on the registration and it has not been fixed suspending my registration. It has been 4 months going on 5. I notified them Dec 23rd 2022 and it is now april 13th 2023. I first notified them of error and explained to them that the wrong vin number was used and needed to be corrected and i was assured it would be fixed. I've been doing my best to communicate with them but im either ignored or I get some excuse that they will look into it and notify me but they never do. I sent a strong e-mail of my dissatisfaction of how they have handled and communicated to me about the issue today. They responded with that they have the title from the bank and i just need to send them the mileage to start dmv work. So i sent them the mileage. This issue needs to be fixed and that is why I'm writing this. Enough of the excuses and B.S. Fix the dam problem!!! 4 months and counting is unacceptable!!!

  

  Business response

  04/19/2023

  
  Hi ********************. Woodside is never happy when a client is unhappy, and we understand how frustrating it can be when a *** error causes delays. We apologize for that.We continue to work with the *** and you to complete the correction on your title, and action from multiple parties including yourself have been requested. We are continuing to provide insight to the necessary steps and appropriate shipping labels to expedite documentation overnight, including your action item.
  

  Customer response

  04/20/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does in a timely manner, I will consider this complaint resolved; otherwise I will escalate this issue. 
  
  Regards,
  
  *******************************
  
   
  

• Initial Complaint

  10/31/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was denied credit with a credit score 790+ with an income of $386,000 a year, i will be gathering evidence for discrimination lawsuit. My application was done in good faith as federal states. I will be contacting the ************************************ and federal trade commission seen i have now a hard inquiry on my credit report that will be there for two years. There finance manager clearly told me to file suit. he did not know who he was telling to do that. lets see how much this is going cost there business.

  

  Business response

  11/04/2022

  Hi ************. Woodside Credit is always unhappy when we cant extend credit, and this case is no exception. Our Credit Manager explained the stipulation of why credit couldnt be extended for your application. An adverse action notice will be mailed to you which includes information on the decisioning,and which credit reporting agency was used. 

*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. ↩