ComplaintsforYendo Inc.

• Initial Complaint

  07/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  After admitedly being late on payment, Yendo had my vehicle reposessed. I contacted them to see how much it would be to get my car back and they responded that they did not know what tow fee and reinstatement fee would be yet to call back the next day. The next day i made payments to get current on account and then contacted them to get the amount of reinstatement and tow fees in order to retrieve my auto as my job requires my vehicle. I was then told that the only way I could get my car was that I would have to pay off the entire amount owed (over $5k) - which is impossible - even though they have now charged my account with a reinstatement fee. Without transport I will lose my job and my late payment was only over 60 days. I willing to pay the tow fee and reinstatement fee as long as I get my vehicle back.

  

  Business response

  08/12/2024

  Hello *****,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time. Our records indicate that our team was able to assist you and you have picked up your vehicle.

  Please do not hesitate to reach back out to us if you need further assistance at ************.

  Yendo

• Initial Complaint

  07/26/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I recently applied for a Yendo credit card and in exchange they needed my car title. I was approved for $5800. They only gave me 4300 and continue to hang up on me while I try to get an answer for this.

  

  Business response

  08/12/2024

  Hello *******,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Our records indicate that you called in and your call was escalated to an Operations Manager to ensure your complaint was properly handled. The details of your interaction are below.

  Call Recap:
  Participants: *************************** (Operations Manager at Yendo Credit Card) and *****************************.
  Purpose: ******* wanted to discuss concerns about her credit card account.
  Key Points:
  Initial Concern:
  ******* was upset because she was pre-approved for $5,800 but was ultimately only approved for $4,300.
  She questioned a representative who assured her that the difference would be credited once the vehicle's title was received.
  *****'s Explanation:
  ***** explained the process, stating that initial pre-approvals are estimates based on basic information.
  The final approval amount is determined after a more detailed review, including vehicle specifics (e.g., trim, condition).
  Unfortunately, the final approved amount cannot be changed once the system determines it.
  *******'s Frustration:
  ******* expressed frustration that she was misled about the approval amount and had difficulty getting clear answers from customer service, including being hung up on multiple times.
  *****'s Response:
  ***** apologized for the miscommunication and assured ******* that he would review the calls for coaching purposes.
  He emphasized that, despite her concerns, the approved amount of $4,300 could not be altered.
  Address Update:
  ******* provided her new address (*******************************************************************) and email.
  ***** instructed ******* to send a document validating her new address within the last 60 days (e.g., utility bill) to finalize the change.
  Conclusion:
  ***** promised to send ******* an email with instructions for submitting the required document.
  The call ended cordially with both parties expressing their thanks.

  
  Please do not hesitate to reach back out to us if you need further assistance at ************.
  Yendo

• Initial Complaint

  07/03/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Yendo is horrible to deal with I got behind because my children's father got terminally ill, and then passed away suddenly I buried him on Saturday I sent all the documentation to one of their guys that I was dealing with to let them know I was doing everything I could to pay the past due as well as I made 2 smaller payments back to back called I was told I needed to pay $38 more to avoid and repression efforts I told them I would pay them more than that on Thursday,,on Wednesday they sent a towing company to get my car I actually got the car away before he could tow it and had to pay almost $400 before they would release the repossession order I would not recommend anyone using Yendo first of all I had to do this because I needed to pay a large sum of money but what they don't tell you is the limit you can get is $400 a day and they don't care about their customer in any way shape or form they are just out to take your car so please before you agree to the yendo agreement read everything don't believe none of their lies, and if you have something detrimental happen to n your life they don't care they will take your car so please stay away from these people they are crooks and thieves and their fees and late fees are out of this world, and the people they send to get the car are nothing but Thugs they are rude and nasty and have no sympathy what so ever for people losing their car I'm going to find out the towing company and file a complaint on them as well. If I had it to do over I would have never used Yendo and I would never use it again I would like to speak to someone ************* I try and try to call and ask to speak to management but can never spkeak to management at all, that is also very troubling

  Customer response

  07/07/2024

  Not only did Yendo try do do a repossession after I called them and told them that my children's father my partner of 25 years had just passed away and I was dealing with funeral fees medical bills and I was paying them little by little so it wasn't like I wasn't paying them at all, the thugs from the tow company they called not only damaged my front tires on my car, my son has a huge gash in his leg where he was hit by the vehicle I'm in ******* this is supposed to be peaceful not a giant spectacle for the whole neighborhood and the driver called the police I payed everything I had to Yendo to avoid the repossession even though I had to call again today because they added repossession charges onto my account when I called 2 days ago they told me everything would be fixed but what about the mental stress the horrible business practices and They lie it says you have the money to use as you please but you can only get $400 a day I did use the money because my family needed it at the time but it is a complete way to **** you in and take your car away anyone thinking of using Yendo DONT DO IT I'm in way over my head and everytime I pay they just keep adding extra charges over and over it's not just one amount everytime they add 2 additional amounts to the current so it's just a horrible company with no ethics at all!!! When you call they talk very nicely to you but they are not nice they are horrible people

  

  Business response

  07/08/2024

  Hello *******,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time and we are sorry to hear about your loss.

  Our records indicate that your account was in a severely delinquent status which had caused collections efforts and repossession review of your account and vehicle. Our goal is to work with you and help better understand how we can help you in keeping your account current.

  Please do not hesitate to reach back out to us if you need further assistance at ************.

  Yendo

• Initial Complaint

  06/24/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was pre approved for the tendon credit card with my car as collateral and when I went ahead with the application process it denied me and stated that it was because I have a co-owner on my car with me which isnt true! I am the only one whos name is on my car loan, *** tried to contact customer service about the issue but nobody is willing to help me! Something needs changed with your system

  

  Business response

  06/27/2024

  Hello *******,

  Thank you for your interest in applying for the Yendo credit card. During your application process, we discovered that your current auto loan has a co-buyer. Our auto refi product is for current auto loans with only a borrower listed. We hope that you will consider Yendo in the future and appreciate your time and interest.

  Please do not hesitate to reach back out to us if you need further assistance by emailing ********************************** or calling us at ************.

  Yendo

• Initial Complaint

  06/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Yeah, I had got a line of credit from Yendo Inc. and Ive been making my payments. I defaulted on one or two payments is with $600 in total of the late payments. I dont believe that they had the right to repossess my car without any notice they took it for me on the 19th of 2024 in June now they dont answer they dont return my emails. I had made arrangements with them to pay on the 20th The payment they said I would be fine. I kept in contact with them and they just did this sneaky take my car when the lady was taking the car she dropped the car off of her tow. Truck rep, picked it up and took off with it with all my stuff in it I dont know why they did this thats how theyve been getting so big is they Still I need this address. This is so ridiculous and I am stranded now I never plan to pay my payments. I paid my payments. I can get you the records to show you that I pay my pay.

  

  Business response

  06/21/2024

  Hello ******,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time.

  Our records indicate that your vehicle was repossessed due to your delinquent account status. Our records also indicate that several of the payments you made to Yendo were returned due to insufficient funds. We have emailed you and also mailed the necessary information regarding your account status to assist you in reinstating your vehicle. 

  Please do not hesitate to reach back out to us if you need further assistance at ************.

  Yendo

  

  Business response

  07/01/2024

  Hello ******,
  
  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time.
  
  Our records indicate that your vehicle was repossessed due to your delinquent account status. Our records also indicate that several of the payments you made to Yendo were returned due to insufficient funds. We have emailed you and also mailed the necessary information regarding your account status to assist you in reinstating your vehicle. 
  
  Please do not hesitate to reach back out to us if you need further assistance at ************.
  
  Yendo

• Initial Complaint

  06/07/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I took a loan out on car with Yendo. Had some false friends make some unauthorized charges they took some off. But not all. I can prove I didn't make these charges because of all this didn't have a payment in April. Since then I have been unable to get these people to share my payment or anything because I can't remember a code I set up. I have mental health issues and think I have Alzheimer's. Went to see a worker at CVS but couldn't pay there without bar code from app. Yendo will not talk to me. I told the lady at Yendo I will never never remember that code. If I could I would. Also not providing payments I'm in danger of car getting repossessed have family member going to help me make a partial payment. Even a bank will help you change and reset password or passcode. I just want them to talk to me about payments and working with me to get caught up. Told them I could go to DPS police station fingerprint pictures of car it's in my name would do anything to prove who I was. Please help me I need some help. Also don't always explain myself well. If need be you can call me at ************. Thanks.

  

  Business response

  06/10/2024

  Hello ****,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time.

  We are happy to report that we are reaching back out to reinvestigate the potentially fraudulent purchases made on your Yendo credit card. Our records indicate that the number on file when you opened your Yendo credit card do not match the number you provided in this complaint. Additionally, the number you provided in this complaint is one digit short. Please bear with us as we hope to reach you at the number on file, which may or may not be your updated contact number. Please keep in mind that we are committed to assist you.

  Please do not hesitate to reach back out to us if you need further assistance at ************ while we continue attempts to reach you to resolve this.

  Yendo

  Customer response

  06/12/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  06/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Between 10/2023 and 12/2023 there were multiple fraudulent charges made against on my Yendo debit card. I immediately called Yendo and reported these to them in hopes of getting them taken away. Well all they have done was come up with multiple excuses on why the wont recognize them as fraudulent charges. First they said a PIN code was used which was a lie, now their latest excuse is because *** had an established history with the merchants. Ive never purchased anything from any of these places with my Yendo card.. I never even used a physical Yendo card only a virtual one because they had to send me 3 different cards before I got one that actually worked and then after about a month or so of getting cards that wouldnt work the fraudulent charges happened. There are over $8000 of fraudulent charges that I cant pay for and that I had absolutely no knowledge of these charges. They have repossessed my truck once and I had to pay over 2000 to get it back. I cant even pay the minimum monthly payment because of all my other bills. I need these charges removed from remaining balance

  

  Business response

  06/10/2024

  Hello ****,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time.

  We are happy to report that we have reopened the investigation into the potentially fraudulent purchases made on your Yendo credit card. Our records indicate that we have reached out to you via text message and voicemail to help in resolving this matter. Please keep in mind that we are committed to assist you. 

  Please do not hesitate to reach back out to us if you need further assistance at ************ while we continue attempts to reach you to resolve this.

  Yendo

  Customer response

  06/19/2024

  I am rejecting this response because:   I want all these transactions removed from my account. I didnt make these purchases and everytime they send me an email they add new transactions to it as if Im. Disputing them and they are denying those too. On the last one they put Im disputing a transaction for the registration of my vehicle. Why in the world would I dispute that ?? They are very unorganized and I feel they look for every out when it comes to the fraudulent charges on my account so they dont have too uphold their word for fraud protection. 

  

  Business response

  07/31/2024

  We were able to resolve *************** disputes and waived nearly $8,500.00 in transactions from his account. ************ was satisfied with the response from Yendo and his account is closed, paid in full. 

  Customer response

  08/03/2024

  I am rejecting this response because:   Because I had to pay over 2000$ to get my truck back when they repossessed it, and every month they werent honoring my in recognized charges I was having to pay the minimum amount on a $10000 balance. So I feel I probably paid more than I should have to Yendo. And Im glad they took that off what I owe but I couldnt get any type of help from them until I reported them to the BBB!!!! Idk for sure if Im owed anything but will contact Yendo for payment history to make sure. 

• Initial Complaint

  05/31/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Repo without title. Wants to charge past due, 25 % of loan, tow and storage. Total rip off. Never use them. Never sent them the title and still repoed my vehicle.

  

  Business response

  06/03/2024

  Hello *******,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time.

  Our records indicate that we have a valid title with Yendo as lienholder per the Illinois DMV. Your vehicle was repossessed due to your severely delinquent account status. Our records also indicate that your account information, specifically your phone number on file, is invalid and should be updated. Please keep in mind that as your phone number is updated, we can contact you and ensure you are updated with your current account status. You can also find your account information in the app. Your credit card is a traditional credit card and can be used for purchases, including online purchases. 

  Please do not hesitate to reach back out to us if you need further assistance at ************.

  Yendo

• Initial Complaint

  05/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I got a loan through Yendo last year in February. I got a new phone number and they gave me h*** on updating it and I couldnt get into my account for months fast forward they repossess my car. Upon repossession I called and they gave me a specific dollar amount I paid that amount the same day and they told me they released my car but they hadnt I called all day and they gave me the run around the next day I requested a supervisor that was 5/21 they told me a supervisor would call in an hour but they did not it is now 5/23 Ive paid them the entire balance and they are still refusing to release my vehicle and they are refusing to let me speak with a supervisor I am now going to take legal action because they are trying to force me to wait until next week for my car even though I paid them and the supervisor still HAS NOT CONTACTED ME!

  

  Business response

  05/28/2024

  Hello *****,

  Thank you for being a valued Yendo customer and for reaching out to us regarding this matter. Please keep in mind that we are here to assist you during this difficult time.

  Our records indicate that your vehicle was repossessed due to your severely delinquent account status. Our records also indicate that your account information was recently updated as requested and we confirmed this to you in writing. In regard to getting your vehicle back, our records also indicate that the *** payment you made to us for $6,224.00 on 5/22/24 was returned for non-sufficient funds on 5/23/24.

  Please do not hesitate to reach back out to us if you need further assistance at ************.

  Yendo

• Initial Complaint

  05/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  May 1 my vehicle was repossessed. I outreached to them around 9am to inquire about how much needed to retrieve the vehicle and was told the information was not received by the towing company or recovery company. I was able to find the towing company who informed me the information had been sent to the finance company. I called again to ask about the amount and was told by ******* that there is fees and could be around $500. I inquired what do the fees entail and he would not tell me specifically. And again information had not been updated. Around 1pm is when I received a document. Two fees were initiated along with the balance. You can only inquire about your statement and balance via an app on your electronic device, not a desk top but just an app. On my app I had past due balance $91.99. On the document it had a past due balance of $383. Then there was a repossession fee of $495 and reinstatement fee of $150. There is no verbiage on the card holder agreement of these fees specific. I made several attempts to get an explain of these fees as I was told there were no storage fees, no attorney fees and YENDO does no profit from these fees however my YENDO account has these two fees posted to be paid in order to obtain my vehicle back. Not to mention my account is not over 90 days as a payment was made in February 29, 2024 which 90 days from that would be May 29 2024. YENDO uses a third party source that consumers have to schedule with for a reason unclear who I reached out with who stated they do not receive the fee either. If YENDO doesnt receive the fee, the third party doesnt receive the fee, the towing doesn't receive the fee; then who does the fees go to being that it is posted on my account? I should not be liable for fees I do not know anything about and was not made aware of. It is not in the card hold agreement nor could not be told be the representative we requested this information. No response from YENDO SUPPORT CEO COMPLAINT BANK NOTHING

  

  Business response

  05/21/2024

  Hello *****,
  
  Thank you for reaching out to us and for being a valued Yendo customer. We are here to assist you during this challenging time. Your vehicle was repossessed by Yendo due to your delinquent account status, and the $495.00 repossession fee is the amount charged to Yendo by the repossession vendor to take possession of your vehicle. Yendo does not profit in this amount.
  
  The $150.00 reinstatement fee is the fee for setting up an appointment with the local repossession vendor to redeem your vehicle at their lot and is another fee that does not go to Yendo. Please note that you must call to set up an appointment to retrieve the vehicle. Feel free to do so at a time that is convenient for you and one that the vendor has available. Please bring valid proof of identification, inspect your vehicle, and sign for the release of your vehicle.
  
  You reference storage fees, but there is $0 that is owed for storing your vehicle. Neither Yendo nor the vendor will charge you for storage. You also referenced an attorney fee, but there is no attorney fee assessed on your Yendo account. The language in the notice you received is required by law, and simply covers all the types of fees that you could be charged, not the ones relevant to your specific case. Similarly, the Cardholder Agreement outlines that fees may be passed along to you for the repossession and retrieval of the vehicle but does not list each individual cost. Please keep in mind that we will not sell your vehicle until the legal sale date has passed.
  
  The itemization and breakdown of the reinstatement amount of $1,028 is as follows:
  
  $495 repossession fee
  $150 reinstatement fee
  $383 past due amount, as per the last statement you received (available in-app, on the Insights tab.)
  
  
  You should always be able to download statements within the app, but if you run into difficulties, please keep in mind that you can always call our customer support team at ************ to assist. You can also email ********************************** to request amounts owed or statements to be emailed to you.
  
  Kind regards,
  Yendo

  Customer response

  05/21/2024

  I am rejecting this response because:   Please show where does it show in the card holder agreement that it states a $150.00 reinstatement fee to use a third party to schedule as I dont need to use anyone to retrieve my vehicle as I was informed from the third party they do NOT obtain the fee. The $495 repossession fee is also not stated on the card holder agreement document that is pulled from the YENDO app nor when spoke to the representative they could not tell the exact amount if this was a policy or an amount used then why a person that works for YENDO could not disclose this amount when call to confirm total. Also, when you go the app, why doesnt it show the exact amount due considering it should state this when you open the app as the month should depict your past due balance to make you current or that is false pretenses. Please show documentation where it show the $150 and $495 fees. 

  Customer response

  05/21/2024

  This is the card holder agreement. The third party company is no where listed nor the repossession or reinstatement verbiage is used in the card holder agreement. The fees insinuate nothing of the such. 

  Customer response

  07/02/2024

  05/01/2024 My vehicle was taken. I filed a complaint with the **** due to unexplained fees and **** forwarded complaint to the **** around 5/17 due to this credit card financed by ***************** On 5/19 before the ********************************************************************************************************************************************* my position on 5/19/2024 and the link had expired to pay. I called and was told I would interfere with the investigation by ******* who appeared to have some feeling about the complaint. I received an electronic text message informing that my vehicle is not for transport to auction due to their is an open investigation. I am suppose to hear back from the compliance department via email. I am not allowed to speak to a live person within that department. No calls can be transferred and wait until an email. I received an email on 5/20 6pm evening CST from ************************* attempting to explain the fees. I received a VM from **** stating they had not received any response from **************** but this ******* sends an email of response from YENDO letter head stating take this response as if it was Cross River because **** can take some time to update that they received a response from Cross River. I replied back and asking what is next steps and NO RESPONSE. Been sending emails calls to YENDO ever since. YENDO representatives have no information to give and last contact ******* on 6/8 hung up the phone on my call. I reached out to the third party PKwillis who informed my vehicle was transported 05/22 and I would have to call YENDO to find it. I called Cross River 6/7who informed me that they have no records of my information of an account and asked if I was a customer because they should have my information being they are the bank who financed the card. But received a "letter" email stated will reinstate. Yet was told YENDO can use Cross River Letter head to send responses. Where is my vehicle? And who is YENDO

  

  Business response

  07/17/2024

  Dear **************: 

  
  Thank you for contacting Yendo and ****************. We have thoroughly reviewed your complaint and we 
  welcome the opportunity to respond to your concerns. Yendo strives to ensure you are provided with timely, 
  accurate information about your account and how it functions. This response follows the major themes in your 
  complaint.

  In terms of your account status, ******************** records show you made a payment to bring your account current in 
  November of 2023. Over the subsequent 6 months up until this writing, Yendo has received 1 further payment 
  in the amount of $87. While we do appreciate this payment, this was less than the past due amount and/or 
  new minimum payment as it was at that time.

  There appears to be some confusion regarding the usage of a 3rd party vendor in Yendos repossession 
  practices. Yendo has a number of vendors that interface between our company and the individual 
  repossession and tow companies throughout our service areas. Each vendor has a slightly different fee 
  schedule, so the exact amount to be charged depends on who picked up the vehicle. These fees are paid 
  exclusively to those 3rd party vendors, who pass them on to the individual repossession companies involved. 
  Yendo does not profit from these fees.

  To that end, Yendo will not have all the details of a specific repossession within the first few minutes after a 
  repossession has occurred. This is why your earliest conversations with customer service were not helpful in 
  getting you exact dollar figures; we were waiting for confirmation from the repossession vendor to determine 
  exactly what would be owed to retrieve your vehicle. You were delivered a Notice of Intent a few hours later 
  with all relevant details, as you note in your complaint. Also of note, all your statements have been and still are 
  available within the app and can be exported to PDF, indefinitely.

  We understand your frustration with the Cardholder Agreement and how it speaks to repossession fees, and 
  apologize for that confusion. Each individual fee that could be involved in a repossession is not spelled out in 
  our Cardholder Agreement. We take care to recover vehicles as economically as possible, and we only pass 
  those fees we incur on to you. Yendo is diligent about following all applicable laws and regulations in our 
  operations, including during the repossession and remarketing process.

  We apologize for this experience and would love for you to reinstate your account, retrieve your vehicle, and 
  continue your relationship with Yendo. Feel free to contact customer service with any further questions.

  
  Sincerely,

  Yendo

*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. ↩