ComplaintsforThe Car Store of West Tennessee

• Initial Complaint

  11/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased an automobile at the Car Store in Jackson Tennessee. I am on Social Security Disability. I was trying to build my credit rating. I was advised that the rating would be reported to the credit bureau. I payments were astronomical, due on a weekly basis and included the insurance which did not include liability. After a year of payments, and problems with the vehicle, I tried to trade the car and was told that the $20,000 was only worth $6,000. I was also told there was no reporting done to the credit bureau. I contacted the manager of the Car Store, ******, and requested a modification agreement. She agreed with the first payment paid by my mother via credit card over the phone. The payment was made with the agreement that the arrearage of the amount owed would be push to the end of the car loan (a modification of the original agreement). I agreed to the modification. I was told this would spread out my payments until another year and my monthly payments would be 267.oo a month going forward. I went in to sign the modified agreement. After waiting for almost and hour no representative would assist me. I continued to pay $350. and additional payments for three consecutive payments of over $1,000.00. On November 10, 2021 The Car Store repossessed my car with my personal possessions( including my medicine) in it. I have paid almost $ 20,000 on this automobile; I have been fraudulently promised, via a phone agreement and an attempt to sign the agreement, a modification of the loan. My car was repossessed after all of this. I have been fraudulently advised. I am asking the Better Bureau to assist me with having all funds returned.

  Business response

  12/02/2021

  Business Response /* (1000, 5, 2021/11/12) */ Contact Name and Title: ***** ***** Contact Phone: ************ Contact Email: ***************** Here at the Car Store of West TN, we are up front with our customers that we do not use credit scores as a determining factor for purchasing, therefore we do not report to any of the bureaus. We offer solutions such as a print out of payment histories that most creditors will accept in lieu of not reporting to credit. This was provided as an option to Ms. ******, however she must have never stopped by our office to pick up the paperwork. Furthermore, Ms. ******'s payments were set up to come due biweekly, and she signed in agreement for these payments. We do charge a $36 biweekly collateral protection fee in the event that the customer does not purchase full coverage insurance. Her contract is signed that she understood she would be charged this fee and that it did not act as the minimally required (in the state of TN) liability insurance, and it would be her responsibility to obtain from a 3rd party company. I do show in her paperwork that she obtained full coverage with Trexis insurance at the time of purchase, but the coverage was not maintained. On 09/23/2020, she stated to us she would be changing insurance, and she was advised at that time that if she did not provide the information to us, she would be charged the CP fee. We began charging this fee on her account on 10/17/2020, which is reflected in her payment history. Regarding the contract modification, the agreement was that upon a payment of $650, we would push her past due balance to the end of her loan, and set her payments up monthly to correlate with her SSI check. A dollar amount was never proposed, as the customer never sent in a breakdown of her monthly expenses, but rather discussed over the phone that she has no bills or expenses other than her car payment and buying dog food. Monthly payments of $267 would not be feasible for our company or the loan itself, and Ms. ****** had actually proposed a payment of around $450 a month which was taken into consideration. The first payment of $300 towards the $650 was processed on 10/05/2021, and both parties were in agreement that the other $350 was to be paid no later than 10/06/2021. We did not hear from Ms. ****** again despite several attempts to reach her until she called us on 10/14/2021 and asked if we could hold her account over for the same agreement until 10/18/2021. In the same conversation, she also asked for us to hold over the account until 11/01/2021, which we told her both inquiries were in breach of the original agreement, but we would work with her to pay around $100-200 on 10/15, another similar payment the following week, then hold her account until 11/01/2021 for a payment of $450 and still honor the contract modification. Following this conversation, there was no communication, no payments, and no sense of urgency to come into our office to sign the rewrite paperwork to modify the contract or make a payment on the account. She had multiple broken promises to pay, and she never came in to see me for her rewrite which can be verified via our cameras in the facility and the notes in the account. We have been trying to work with Ms. ****** for an extended period of time with no progress made, due to she has been in breach of her original contract for several months. To protect our interest in the collateral, it was necessary for us to bring the vehicle back into our possession. Upon signing the original contract, our customers agree and are aware that we will not be held responsible for personal belongings that are left in the vehicle if they are in default of their contract payments and subsequently repossessed. We have made an offer for Ms. ****** to re-obtain her vehicle, but it seems as though that at this time she has no interest in getting her vehicle back. She states she will be in on 11/12/2021 to retrieve these personal belongings out of her vehicle. Consumer Response /* (3000, 8, 2021/11/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) 1. I was advised at the beginning of the contact that a reporting would be made to the credit bureaus; This was not don. 2.An attempt to make all payments was made. Each time a payment was late, I called to inform them but later made the payment. 3. During the first week of October, I was told that a modification of the contact would be made. The payments would be lowered and due once a month. 3. I continued to pay after I found out that the representative did not have the bank authority to modify the contract. 4. The call was repossessed, unnecessarily.

• Initial Complaint

  09/22/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought my KIA Sorento December 23rd 2020. Started having trouble with the front end in January 2021. It's been in the shop the third time for the same reason since I bought it. They would put parts on it and week or two later it would start doing the same thing again. They contacted me 9/20/21 wanting to trade me out however everything they offered me increased my payment by $100 bi-weekly that I could not afford so in turn they showed me a Chevy Cobalt which was about a $500 car and a slap in the face for me as a replacement. I would not agree to any of this and I am still in the company's loaner vehicle. I made a $5,000 down payment on my Kia and other wanting to give me for it is the payoff which is very little at this time. I am not happy

  Business response

  11/01/2021

  Business Response /* (1000, 7, 2021/10/08) */ We are trying to resolve the service issues that the customer is having. We did offer her a trade, but at the time, we did not have anything that would keep her payments the same per her request. The customer is still in a loaner vehicle while we work on her service issues.

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