ComplaintsforInsta Credit Auto Mart Inc

• Initial Complaint

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased a vehicle from this facility and ever since I have been issues with my car. They keep saying I&#**;ve missed payments and they shut off my car when I am not behind on my payments. This happens every few weeks and I have not been behind on any payments. I do not understand the issue and why my vehicle repeatedly gets shut off.

  

  Business response

  07/23/2024

  Customer purchased 2009 Chevrolet Impala with ****** miles on it from our dealership on 10/17/22.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty.  *** customer signed the warranty agreement acknowledging that he understood it and that he agreed to all terms of the agreement.
  
  This complaint was issued nearly two years after the purchase of this vehicle and after the customer has driven ****** miles. Our account representatives have requested on multiple phone calls that ******************* come into the office, so that we can go over the amortization schedule and compare it to his actual payments. We feel that this would reconcile the confusion and answer his questions. We hope that these facts will lead to the closure of this complaint.
  

• Initial Complaint

  06/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased a 2007 Dodge Caliber from them. I put down $1500 and the car was priced at under $10,000. I have been making payments on the car but they have not been reported to the credit bureaus and I was unaware of this. I went in to talk with them about this and they were very rude and nasty to me. I tried to get help from the people I got the car from and they didn&#**;t want to hear anything else. They didn&#**;t try to put me in a different car and I believe they knew that this car was not a good car. They are not willing to help me with the repair or resolution about this car. The car is not running. I would like another car that works or to be refunded back my money.

  

  Business response

  06/05/2024

  Customer purchased 2007 Dodge Caliber with ******* miles on it from our dealership on 5/27/22.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty.  *** customer signed the warranty agreement acknowledging that he understood it and that he agreed to all terms of the agreement.
  
  This complaint was issued over two years after the purchase of this vehicle.  ***s complaint has also been issued after the customer has driven ****** miles. We hope that these facts will lead to the closure of this complaint.
  
  Although we previously provided credit reporting data to TransUnion, we never reported to all three of the major credit bureaus, nor did we advertise that we reported to any credit bureau.  For a variety reasons, including, but not limited to significant enforcement actions by various government agencies, the current hyper-litigious environment stoked by consumer advocate attorneys, and the additional resources required to address the many bogus complaints from individuals attempting to manipulate their credit using various credit repair tactics, and after seeking the advice of legal counsel, we made the decision to no longer provide data to any of the credit reporting companies about any of our customers, as we are under no obligation to do so.
  
  That said, we will gladly provide any customer with a printout of their payment history with our company upon written request.
  
  ******

• Initial Complaint

  05/28/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I bought a car and paid for 3 years on it and this dealer did not report to the credit bureaus.

  

  Business response

  05/30/2024

  Although we previously provided credit reporting data to TransUnion, we never reported to all three of the major credit bureaus, nor did we advertise that we reported to any credit bureau.  For a variety reasons, including, but not limited to significant enforcement actions by various government agencies, the current hyper-litigious environment stoked by consumer advocate attorneys, and the additional resources required to address the many bogus complaints from individuals attempting to manipulate their credit using various credit repair tactics, and after seeking the advice of legal counsel, we made the decision to no longer provide data to any of the credit reporting companies about any of our customers, as we are under no obligation to do so.
  
  That said, we will gladly provide any customer with a printout of their payment history with our company upon written request.

• Initial Complaint

  05/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Bought a 2016 Jeep Patriot from Insta Auto Credit 4/25/23 a month later the radio stop working they supposedly put a new radio in my Jeep and now my radio is not working they say my warranty is up my point is when I bought the jeep the radio was falteyi want them to replace my radio or find out why it keeps going out

  

  Business response

  05/16/2024

  Customer purchased 2016 Jeep Patriot Sport with ******* miles on it from our dealership on 4/25/23.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  *** warranty does not cover radios. After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty.  *** customer signed the warranty agreement acknowledging that she understood it and that he agreed to all terms of the agreement.
  
  
  After a thorough investigation, we find no mention of an issue with the radio at the time of purchase or since. This complaint was issued nearly a year after the purchase of this vehicle.  *** complaint is concerning a non-covered part 9 months past the term of the limited warranty. We hope that these facts will lead to the closure of this complaint.
  
  ******

  Customer response

  05/17/2024

  Complaint: 21715666
  
  I am rejecting this response because:
  
  When I purchased the vehicle it was already faulty they didn't take the time to  diagnose it I will be taking further action 
   
  Sincerely,
  
  *****************************

  

  Business response

  05/20/2024

  We are sorry you feel that way, but we have written proof of our explanation. 

  Customer response

  05/20/2024

  You guys sold me a jeep with a faulty radio or whatever is causing it not to work when u put the so called new radio in with out doing diagnostics I will be taking it to the dealership and they will tell me what's wrong I will pay for it and I want reimbursement from insta auto credit 

• Initial Complaint

  05/06/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I paid my car payment and the rep who took my payment over the phone did not send a email to the pass time company that disabled the vehicle. Got off work and stopped by a store only to come out to a disabled car. Due to the rep not doing her job completely I had to pay for a Uber to get home and my vehicle had to be towed home to sit 2 days. I missed work Sunday and Monday due to her ******* to get out of the office.

  

  Business response

  05/08/2024

  This complainant purchased a 2009 ***** 6 from us on August 25, 2022.  He financed a portion of that purchase by entering a Motor Vehicle Retail Installment Contract and his first payment was scheduled due on 9/14/23. The customer has only made an on time payment per the contract once during the entirety of the contract. When a customer is late, we do lock the online payment options hoping to encourage live contact with one of our 8 account representatives. His most recent payment was again late and only a partial payment. Because the customer was 9 days late with his payment, he had already used his two override codes on 5/2 and 5/3. The customer called our office the morning of 5/6/2024 at 9:30 and one of our account representatives enabled his vehicle. We strive to meet our clients expectations, but it can be difficult at times unless we have cooperation from the customer.  We hope that this explanation will prove satisfactory to close this complaint.
  
  
  ***********************************

  Customer response

  05/08/2024

  Complaint: 21672251
  
  I am rejecting this response because: Mr. ****** is correct I have been late on my payment. Clearly states I called and an employee turned my vehicle back on. That shows you a payment was already made but employees did not follow through to contact the third party on my behalf. Once a payment is made they are suppose to call the company that disables the vehicle. Have my vehicle disabled for no reason is insane. I missed 2 days of work because of my vehicle being shut off. But still a car payment is needed again. 
  
  
  
  Sincerely,
  
  ***********************

  

  Business response

  05/09/2024

  I'm not sure what more can be said about this complaint. Do we need to continue answering to this complaint just because the customer rejects our position and the facts?

• Initial Complaint

  04/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was purchasing a car form them and I haven't had it for a year yet. The transmission was bad and now the car has stopped working properly. I was told by their mechanic that they wouldn't fix it and my response was I can't continue to pay for a car that I can no longer use. So he basically told me to surrender the car. When I talked to an account manager she said I would have to have it towed to them, which I think is insane because I know they can tow it. But what I ultimately wanted was for them to just swap the car out for another one and I could continue to buy from them. I just think they scammed me and handled this totally wrong.

  

  Business response

  04/30/2024

  Customer purchased a 2010 Jeep Patriot Sport with ******* miles on it from our dealership on 5/22/2023.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty. After the limited warranty expires due to time or mileage the customer is 100% responsible for the vehicle and all repairs the vehicle requires. *** customer signed the warranty agreement acknowledging that she understood it and that she agreed with all terms of the agreement. 
  
  After 11 months and ***** miles driven, the customer is out of warranty. We have thoroughly researched the complaint and have been unable to find any record of service concerns ever being reported to our company by the customer. We certainly understand how frustrating service issues can be and have encouraged the customer to find a trusted mechanic to help with this situation. We have also explained to the customer that she signed a retail *************************** contract and not a lease. We are unable to simply switch her into another vehicle. We hope that by providing these details and an explanation of the facts that this complaint will be closed. Please feel free to inquire if additional details are needed.
  
  
  Sincerely,
  
  ***********************************
  

• Initial Complaint

  04/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I buy the 2010 jeep grand Cherokee in June 12 *********************************************************************** they was order a new part for my AC and I never heard back from them on receiving the part for the ac after about 3 weeks I started to have problems with my transmission they told me that it was slipping and they claim that they fixed the problem but when I drove it home it started to do the same thing again they know I need a replacement transmission but they refused to fix it or replace it and my suv is under warranty and I know I have problems with the cooling system and refused to fix that too

  

  Business response

  04/08/2024

  Customer purchased 2010 Jeep Grand Cherokee with ******* miles on it from our dealership on 6/12/23.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  However, it is clearly stated in the warranty agreement that a deductible up to $100 applies and that the limited warranty explicitly does not cover towing or provide for loaner or rental vehicles.  After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty.  After the limited warranty expires due to time or mileage the customer is 100%responsible for all repairs the vehicle requires.  *** customer signed the warranty agreement acknowledging that he understood it and that he agreed to all terms of the agreement.  He also signed documentation acknowledging he accepted financial responsibility for the vehicle once purchased and that our dealership would no longer have any financial responsibility for the vehicle after that time.
  
  *** customer visited our shop twice, 8/21/2023 and 1/10/2024. On both occasions our service department repaired minor issues at no cost to the customer. On 1/22/24 the customer called and set an appointment with service for 2/5/24. This began a two-month period of set and missed appointments. Please see the timeline below.
  
  02/05/2024Customer showed for appointment and rescheduled for 02/20/2024 to continue repairs.
  02/20/2024Customer missed appointment and rescheduled for 03/12/2024.
  03/12/2024Customer missed appointment and rescheduled for 04/02/2024.
  04/02/2024Customer showed for the appointment and was told they were out of warranty.
  
  When the vehicle arrived at our facility on 4/2/24 our records indicate that the odometer read ******* miles, placing him ***** miles out of the limited warranty.  *** 90 day term of the limited warranty expired on 9/12/23, which placed the customer many months out of warranty. Regardless, the repairs the customers vehicle required were not items covered under the warranty that came with the vehicle.
  
  We understand how frustrating it can be when vehicle maintenance is an issue. However, the customer has no obligation to have their vehicle repaired at our facility and can take their vehicle to any repair facility of their choosing.  We hope that this explanation will prove satisfactory to close this complaint.

  Customer response

  04/09/2024

  And when I came back to the shop on 8 /21/23 to get my suv serviced they didnt fixed anything because after I drove off the lot my vehicle was doing the same thing and when I left of the parking lot  I was having same issue 

• Initial Complaint

  03/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I just recently bought a 2010 dodge journey on February 23,2024 and on February 27 2024 I started having major issues with my vehicle the horn wouldnt stop blowing I the vehicle back to them and unfortunately the couldnt do anything because I just missed the service center I was told to come back the next day unable to safely drive the vehicle anywhere or have it in my apartments or at my job because of the horn just constantly blowing I sat in front of dealership and let the horn just blow until the service manager came out and disconnected my horn On my way home the car started driving funny and the check engine light came on as well as the car stopping on me. February 28th 2024 I brought the vehicle back in where I talked to many different people I express that I did not want the car because after four days it shut off on me and the horn wouldnt stop blowing as well as the check engine light and weird sounds coming from the vehicle I informed the service center my concern's I got the run around that whole day I finally talked to the supervisor and he insured me that the car was safe for me to drive after they looked at it I was told that it needed a new switch and they was also going to flush the oil and put new in once the switch came in I never received a call and from that point the car would shut off act like it didnt want to start and struggle to accelerate March 20th 2024 the car completely shut off on me in the middle of the street I couldnt get it to started and had to push it into a parking spot March 22nd 2024 I was told my engine was bad and I had to wait till Monday to see if everything got approved It was approved for them to fix the engine I expressed I dont feel comfortable with that because I feel that they would do bare minimum just to get me passed warranty Im highly upset because I felt they knew the engine was bad and still let me drive away with the car and I just want my money back because my lively hood is been affected within 30days

  

  Business response

  03/28/2024

  Our customer purchased a 2010 Dodge Journey with ******* miles on it from our dealership on 2/23/2024.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty.  After the limited warranty expires due to time or mileage the customer is 100%responsible for the vehicle and all repairs the vehicle requires.  *** customer signed the warranty agreement acknowledging that she understood it and that she agreed with all terms of the agreement. 
  
  
  On 3/1/2024, as the customer references in her complaint,although we had no obligation to do so, we paid to have her vehicle towed to our facility and we paid our technician to diagnose the issue at no cost to her.  *** issue our technician found with the vehicle was primarily related to poor connection at the starter solenoid and not an item covered under the warranty that came with the vehicle.  We estimated the cost of the repair to be approximately $525.80 and as a gesture of goodwill we offered to cover this expense in full. 
  
  On 3/22/2024, as the customer has referenced in her complaint,we paid to have her vehicle towed to our facility and we paid our technician to diagnose the issue. Upon inspection our technician recommended that the engine should be replaced. *** customer had driven ***** miles, which qualifies for our limited warranty. *** customer has been informed by our service department that repairs are covered under the limited warranty, and we are waiting to hear from her to proceed.
  
  We understand how frustrating it can be to purchase a used vehicle and have service issues. This is precisely why we offer a limited warranty at no cost to our customers.
  
  ***********************************

  Customer response

  03/28/2024

  Complaint: 21482139
  
  I am rejecting this response because:
  The fees shouldnt even been there because the 1st four days of having the vehicle I was told it was going to be fix why would I have any fees for something that was supposed to be fix in the 1st four days I was also told that it wasnt going to cost me anything because as I said that was the fourth day of me having the vehicle. The vehicle never got fixed from the 1st time bringing the vehicle in. Im still with in the warranty and I do not want the vehicle due to the issues that Ive experienced within 30 days it doesnt bring me comfort to make payments on this vehicle and it puts me in a worse position due to having to wait for the vehicle to be fixed and I also feel like once the vehicle is fixed more issues will arise and my warranty will be over and I will be stuck with a broken vehicle and out of more money. They did not fix the car the 1st time, the car is a lemon and it will be more issues with it.I want out the contract and my money back. I was told that the vehicle was safe to drive when it was not. I have all my documents of the complaints and the things that did not get fixed and all the issues that came after they said they fixed it.
  
  Sincerely,
  
  *******************************

  

  Business response

  04/09/2024

  We stand by our original response. 

• Initial Complaint

  03/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They continually lock my account so I am unable to make payments on my car, they also disable my car do I am unable to drive to work. They skip payments I try to make, but have me past due even though I have sent screenshots of their system saying the account is locked. I spoke with someone on 8 Mar 2024 at 836am central time and they were extremely rude and refused to unlock my account to make a payment.

  

  Business response

  03/13/2024

  This complainant purchased a 2012 ****** Camry from us on October 1, 2022.  He financed a portion of that purchase by entering a Motor Vehicle Retail Installment Contract and his first payment was scheduled due on 10/14/22.  The customer paid as prescribed by the contract until he missed his 12/29/23 payment. When a customer is late, we do lock the online payment options hoping to encourage live contact with one of our 8 account representatives. I an attempt to help the customer, after he made his full payment on 1/12/24, we deferred one full payment, and the customer was then current.  Most recently the customer experienced further issues paying on time.   Three payments, 2/9/24, 2/23/24, 3/8/24 were all paid late and resulted in a locked account. On the very day this complaint was made, an account representative returned a call from an email request made by the customer. There were several attempts to explain to the customer why the account was locked but he grew frustrated and ended the call with our account representative. As of 3/11/24 the customer is current and set up on recurring payments.     
  

  Customer response

  03/15/2024

  Complaint: 21405360
  
  I am rejecting this response because: Not one but 3 of their representatives got attitudes with me when I questioned the status of my account and they hung up on me while I was trying to get to the bottom of the issue. They also skip payments without my authorization which has caused my account to fall behind, maybe if they stopped skipping my payments and blocking my ability to pay I wouldn't have this issue
  
  
  
  Sincerely,
  
  ***********************

  Customer response

  03/20/2024

  They have not acted in good faith. They have turned my car off because they made a mistake with my account. They lock my ability to pay and skip payments without authorization and causing me to fall behind. How can you just close this when they literally hang up on me when I try find out the reason they skip my payments and lock my account? They have done nothing in good faith

• Initial Complaint

  03/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On July 9th 2022, I purchased a vehicle from Insta Credit Auto Mart with the expectation of receiving a reliable mode of transportation and the opportunity to improve my credit score through timely payments reported to the three major credit bureaus, as promised during the sales process. Unfortunately, my experience quickly devolved into a nightmare.Within the first month of purchasing the car, I encountered multiple mechanical issues that required immediate attention. Despite the vehicle being ostensibly under warranty, I was informed by the company that the necessary repairs were not covered, leaving me to bear the financial burden of fixing defects that should have been addressed by Insta Credit.As time progressed, the car continued to require extensive repairs, rendering it unreliable and unsafe for regular use. Eventually, the frequency and cost of repairs became unsustainable, forcing me to purchase a new vehicle to meet my transportation needs. This unexpected expense has placed a significant strain on my finances and disrupted my daily life.Furthermore, I recently discovered that my payments to Insta Credit Auto Mart have not been reported to the credit bureaus as promised. This failure to fulfill a fundamental aspect of our agreement has not only undermined my efforts to improve my credit score but also reflects a blatant disregard for honesty and transparency in their business practices.It is evident to me that Insta Credit Auto Mart engages in deceptive and misleading practices that exploit unsuspecting customers like myself. By withholding crucial information about warranty coverage, neglecting to report payments to credit bureaus, and failing to provide adequate protection under lemon laws, the company has demonstrated a profound lack of integrity and customer care. Despite making timely payments for almost 2 years, my credit report will now reflect a repossession.

  

  Business response

  03/13/2024

  Customer purchased a 2011 Chrysler 200 with ****** miles on it from our dealership on 7/9/22.  *** vehicle purchase came with a 90 day/3,000 mile, whichever occurs first, limited warranty at no additional cost to the customer.  *** limited warranty covered the main components of the power train of the vehicle, amongst other things, for the term of the warranty.  After delivery of the vehicle the customer is responsible for any repairs that are not covered by the limited warranty.  After the limited warranty expires due to time or mileage the customer is 100%responsible for the vehicle and all repairs the vehicle requires.  *** customer signed the warranty agreement acknowledging that she understood it and that she agreed with all terms of the agreement. 
  
  After researching the complaint, we were unable to find any record of service concerns ever being reported to our company by the customer.
  
  Although we previously provided credit reporting data to TransUnion about each of our accounts for many years, for a variety reasons,including, but not limited to: significant enforcement actions by various government agencies, the current hyper-litigious environment stoked by consumer advocate attorneys, and the additional resources required to address the many bogus complaints from individuals attempting to manipulate their credit using various credit repair tactics, after seeking the advice of legal counsel, we made the decision to no longer provide data to any of the credit report companies about any of our customers. 
  
  This was not a decision that was made in haste, and we feel that it is extremely unfortunate that this decision may have had an adverse impact on many of our best customers.  But it is our understanding that we are under no legal obligation to provide data to any credit reporting agencies and that we are well within our rights to discontinue providing that data. If you feel that we have misunderstood our obligations, we are more than willing to reconsider the matter.  However, absent any additional clarification or guidance, we will respectfully consider this complaint resolved to the satisfaction of your agency.
  
  Since we no longer report to TransUnion, neither her payments nor late payments will be reported to the credit bureaus. *** customer is current with us and, If the customer plans on returning the car to us we will process it as a repossession. This repossession will not be reported to TransUnion since we no longer report credit. 

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