Complaints

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:04/10/2025

  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 filing a formal complaint against your company, Concorde Auto, regarding the mishandling and unlawful reporting of the auto loan account listed under account number 505**. This account, which is currently reported as a paid repossession, is inaccurate and unverified. Concorde Auto repossessed my vehicle while I was on active-duty military service, without first obtaining a court order, in direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act (SCRA). our company also failed to comply with *** Article 9, as well as the Retail Installment Sales Act (RISA) and Motor Vehicle Installment Sales Act (MVISA), as applicable under Texas law. By repossessing my vehicle without a valid court order and without following lawful preconditions, Concorde Auto engaged in an unfair and unlawful collection practice. This information, including my dispute and documentation request, was originally sent during COVID in 2021. I am not obligated to resend this information due to your company's mishandling and failure to provide a lawful response the first time. I am demanding the immediate deletion of this account from my credit reports with Experian and Equifax within 4 days from your receipt of this complaint. If this is not resolved, I will pursue legal action, where your company will be held liable for:Statutory damages,Emotional distress, and Violations of SCRA, UCC, RISA, MVISA, and the Fair Debt Collection Practices Act.

  Business Response

  Date: 04/10/2025

  Customers account was assigned for repossession on 4/30/2021
  It was actually Repossessed 5/3/2021 
  

  The notes on the account as well as several recorded calls indicate that we spoke with the customer on 5/3/2021,  customer called in and spoke to his account manager and the following was said  
  
  Customer asked about how to get the car back. The associate gave customer the past due balance plus any fees. The associate asked the customer if he was receving any kind of income having been told in prior conversations that he was no longer employed. Customer replied saying no, he was not employed and was denied unemployment benefits and still looking for work. We told the customer we could hold it for 21 days as long as he continued to communicate with us and provided updates on his job search.

  The customer then asked about his personal property and informed the agent that he would pick up that property that same day. 
  

  No other communication was received during that process and the customer was clearly not in active duty at the time, and made absolutely no mention of it in any of his conversations with us. 

  Unless the customer can show verifiable proof that he was active duty at the time the vehicle was repossessed and notified us of the same, as is required by law, our reporting of his account will remain unchanged. 

• Initial Complaint

  Date:03/03/2025

  Type:Service or Repair 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've taken my car to the repair shop serveral of times for same thing. And they claim the have resolved the issue witch in reality they haven't it cost me $45 one way to the shop and I've been there over 5 times since getting the car back in September of 2024 it doesn't seem like I'm getting anywhere with my complaints I've told them several of times about the engine oil leak not fixed I payed $610 for breaks which is still squeaking and roaring in the rear end. I've told them about there is a shortage in the car they haven't resolved it yet I've payed for TPS sensor to be replaced and to leave and in less then 15 mins of leaving the shop the light is on again im paying ****** for a car that's only worth ****** I've been trying to give you guys the benefit of the doubt to get it done but one thing I want do is get screwed what will eventually happen is when the warranty runs out then you guys will find the problems so you can charge me for it I would hate to get a lawyer involved but what option do I have if I can't get my issues resolve my car have been in the shop for 1 month for all the times I've taken it to the shop and I'm still paying a car note with no car please help me before I get other help I've had all these problems within 6 months of purchasing the car

  Business Response

  Date: 03/05/2025

  I am sorry to hear that the customer continues to have issues with her vehicle. I have instructed our *************************** to open a Support Ticket to investigate the situation. 

  They will be reaching out by email the email address associated with this complaint. Customer should look for an email from *************************** please keep in mind for future reference, our customer support department is always there to assist in situations like this where the customer may not feel they are receiving the appropriate service. You can access the support department via the Auto City App, or on the Auto City website under the ************* portal. 

• Initial Complaint

  Date:12/03/2024

  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.

  The vehicle purchased from this company from day one was flawed and the company failed to correct it despite hundreds of communications. They have the vehicle now as I refuse to pay for such a vehicle, especially at the maliciously over-inflated interest rate. I've calmly communicated this time and time again with no resolution in sight. I just want this company out of my life and off my credit and they refuse. If I can't get this matter resolved I'll have no choice but to file a civil action against Concorde Auto and Auto City for Breach of contract, fraud, and defamation, and move the court to support charges of extortion for monies paid in protest. For over a year I've made complaint after complaint with no true action on the business's part to ever remedy the situation and I'm at a point where I'll have to proceed with the court process.

  Business Response

  Date: 12/03/2024

  We appreciate this Customer's opinion. However, as the facts will show, and as this customer knows, he has grossly mis-represented virtually every aspect of our interactions with him.  We have repeatedly gone out of our way to work with the customer and to clarify his repeated attempts to create a false narrative, yet he continues to put forward false and misleading information. This can only be perceived as a clear and aggressive intent to harass and intimidate. Everything that can be addressed has been addressed, therefore, we welcome an opportunity to present our case in court. The customer has already been referred to our legal council, so any further communication between the customer and this company, should be directed to them.

  We respectfully ask that the BBB review prior complaints filed by this customer and immediately close this complaint as resolved, with prejudice. 

• Initial Complaint

  Date:05/29/2024

  Type:Service or Repair 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 went to Concord Auto to get a vehicle and was sold a lemon for ******** down and ****** every 2 weeks on 5/11/2024 I drove the car home and to church on 5/12/2024 Monday morning it started acting up. I called to report the issues with the vehicle but got the run around as I'm still getting the run around as of today 5/23/2024. I called ******* my car salesman whom was very unprofessional over the phone. I want my money back so we can take my business elsewhere.

  Business Response

  Date: 05/29/2024

  We appreciate this customer taking the time to express their dissatisfaction with their vehicle. Our support department began working with the customer on May 22 to help expedite some very minor repairs, which are expected to conclude today or tomorrow.  As soon as we were made aware of the service issues, we encouraged the customer to bring her vehilce into our service department. It took a week to get that accomplished. We have not been able to duplicate much of what the customer says is going on with the vehicle. Nonetheless we have addressed what we know to be an issue. As we have explained repeatedly to the customer, we don't trade customers out of a vehicle simply because its having mechanical issues. That is precisely why we include a warranty with everyone of our vehicles. The repairs are being completed as quickly as possible at no expense to the customer, therefore we are neither inclined nor obligated to offer any kind of refund. The warranty agreement and installment contract signed by the customer, clearly state that our obligation is to honor any warranty repairs at no cost to the customer other than the $100 deductible. In exchange, the customer agrees to keep making their payments, on time. Again, we hope to have the customer's vehicle ready today or tomorrow. 

• Initial Complaint

  Date:02/13/2024

  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 sent a dispute letter to Concorde Auto informing them that they have failed to adhere to *********** laws and UCC ***** as well as State RISA and MVISA statutes. In the letter, which I will attach to this complaint, I informed Concorde that the account reporting on my credit report. CONCORDE AUTO MGMT SER 481** should be removed if they could not furnish proof that the repossession of the subject vehicle was legal in accordance with the following UCC: *****. EFFECT OF ERRORS OR OMISSIONS. *****. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *****. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. *****. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. Concorde was to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle in which they did not. I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC ***** remedies. At this time, I demand you to delete this account from my credit report immediately.

  Business Response

  Date: 02/19/2024

  After thoroughly investigating this customer's accusations, ********************** believes all rules and statutes were followed correctly.  It would be unlawful to remove the credit reporting, however, it will show as a Zero balance due.  In fact, we have issued a check to this customer for the surplus money received after disposing of the collateral. Any further questitons should be directed to our customer support department *************************** Kindest Regards. 

  Customer Answer

  Date: 02/20/2024

  I am rejecting this response because your assertion that you are following regulations by allowing this account to report is incorrect. In fact, by furnishing incorrect information such as the date last reported and the date last active, you are violating the Fair Credit Reporting Act. The **** mandates that consumer reporting agencies provide accurate and up-to-date information to consumers. However, the discrepancies in the reporting of the date last reported and the date last active on this account clearly indicate that your company is in violation of this regulation. This constitutes gross misconduct, negligence, and defamation of character on your part. I want to make it unequivocally clear that I am well within my rights to *** your company for this incorrect information if it is not promptly removed from my credit report. It is unacceptable that one credit bureau reports a date of September 2021 while another reports November 2021. Such inconsistencies only serve to damage my financial reputation and creditworthiness. I demand immediate action to rectify this situation. Your company must take the necessary steps to ensure that accurate and consistent information is reported to all credit bureaus. Failure to comply with this demand will leave me with no choice but to pur*** legal action to seek relief and monetary damages under the ****.

  Business Response

  Date: 02/21/2024

  TO PROTECT THIS CUSTOMER'S PRIVACY, THIS RESPONSE IS ALSO BEING *****ED TO THE ***** ADDRESS ON FILE: ************************ WITH THE ATTACHEMENTS REFERRED TO BELOW. 

  Attached you will find the photocopies of the envelopes which contained your official notifications of our intent to sell the collateral.  As you can see, both were returned by the postal service.  Additionally, I have included a copy of that notice for your records.  And finally, I have included a copy of the cancelled check you cashed that included the surplus proceeds after we sold your vehicle.  We can find no errors in how your account or your collateral were handled. Again, if you require further assistance, it is recommended that you contact our customer support department directly at ************************** . 

  Customer Answer

  Date: 10/15/2024

  I am filing a formal complaint against your company for multiple violations related to your handling of my auto loan while I was on active duty. Concorde Auto repossessed my vehicle while I was on active-duty military service without obtaining a court order, as required under 50 U.S. Code 3952 of the ***** This law specifically protects servicemembers from repossession without a courts approval during active duty. By bypassing the court process, Concorde Auto has violated my rights as a servicemember. You failed to follow the correct procedures under the *** when repossessing my vehicle. Specifically: The repossession was conducted without proper notice of default and without giving me an opportunity to cure the default before the vehicle was taken. Additionally, there was no effort to conduct the sale of the repossessed vehicle in a commercially reasonable manner, as required by *** Article 9. This breach of procedure has directly caused me financial harm. Your company engaged in unfair practices by repossession without a present right to do so, in violation of 15 U.S. Code 1692f (6). Their actions amount to unconscionable means of debt collection, as they had no legal right to repossess the vehicle without a court order while I was protected under the ***** This account is reporting on my credit report as a paid repo. This account has been satisfied and due to your unlawful practices, I am demanding that this account is removed from my credit report to avoid legal action. I do not wish to receive a phone call from your company because I am keeping a paper trail of our correspondence. Furthermore, my email address in your records may be my personal email, but all correspondence regarding this account is to be sent to ************************ I hope to hear a favorable outcome within 14 days, or I will have no choice but to escalate this issue.

  
  

  Business Response

  Date: 10/15/2024

  It's worth noting that the issue of being active duty was never mentioned in the original complaint, nor in any of the correspondence that followed. Nor were we informed by the customer at the time that he was active duty military. None the less, if the customer can provide adequate proof of their active duty status at the time the vehicle was repossessed, we would be happy to consider removing or amending the credit bureau reporting.

   

  The following are acceptable for proof of active duty status at the time of the repossession:

  1. Military pay stubs - A Leave and Earnings Statement (LES) shows pay grade, pay, entitlements, and deductions. 
  

  2. Statement of service - A signed statement from the unit or higher headquarters commander, adjutant, or personnel office. 

  3. Other documents that can verify military status include: Record briefs, Reserve Activation Orders, and Enlistment contracts. 

  IMPORTANT: Any proof of active duty must cover the period of time on around the time of repossession. 

  Customer Answer

  Date: 10/17/2024

  I am rejecting this response because:   There is a portal that will let you verify that information. Again, this account is illegally reporting. Furthermore, the vehicle in question Under the laws of Texas and UCC ***** as well as State RISA and MVISA statutes, a deficiency cannot be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. I have already tried to get this from your company months ago verbally when I called. Therefore, everything will be in writing to keep a paper trial. I can assure you that the repossession of the subject vehicle was not legally in accordance with the following UCC: 1. *****. EFFECT OF ERRORS OR OMISSIONS, 2.  *****. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 3.  *****. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 4.  *****. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. The account is to be removed immediately from my credit report. 
  
  
  
  

• Initial Complaint

  Date:07/19/2023

  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.

  Being a customer with ******************** is the worse decision of my life. I bought a vehicle in oct of 2022 and I was up to date with pmts. Had a few surgeries and fell behind on car pmts for two pay periods in April. I paid that outstanding balance to Concorde for ****** and my car pmts are only $330 bi weekly. The Concorde agent(*****************************) that was assigned to me is never helpful and extremely rude. I then fell behind again due to my apartment flooding and I needed to pay for hotel and Airbnb expenses for three weeks at the beginning of June. I called and expressed this to ****** and she was very rude about the situation as if she didnt believe me. I then spoke with her MANAGER, ******************* and she told me I could make a pmt of $600 on June 30th. My check was short so I called Concorde to inform them I could pay $450 of the arranged pmt I made with the mgr. I was told by rep that I would need to speak with mgr to go against arranged pmt that is already scheduled. So the rep ******* me I will be receiving a call from a mgr regarding my situation. A whole week go by. I finally call back on July 13th to make a pmt of $1086.00 but no answer. Left a voicemail to call back so I can make a pmt. As I wake up on July 14th, my car was repod and I called Concorde asking why is this, why was I not given a call back by mgmnt? I was replied with ***** was out of town for the past two weeks and so no one could give you a call to inform you. I feel this is terrible customer info practice. I was not informed that ***** would be gone for two weeks. I was not informed that she was the ONLY MGR I could speak with. Concorde is now asking for the vehicle to be paid in full for $16,293 but the vehicle on my agreement says I only owe $15,383. I dont feel this company is providing the correct info and s******* the consumer over and not wanting to assist

  Business Response

  Date: 07/24/2023

  A customer is considered in default of their installment contract and subject to repossession the day after a payment is not received. However, we understand how difficult life can be for many of our customers, which is why our first choice is to do all we can to assist. But as the customer has himself stated, time after time, month after month, payment arrangements were offered, and each time the customer was either unable or unwilling to complete the arrangement. Phone calls, texts and emails would go unanswered, and on the few occasions we were able to reach the customer, he was dismissive and aggressive. In addition, the finance manager reached out to him directly no less than 3 times without success. Once an account gets to that point, policy is that we no longer can accept partial payments. Certified letters were sent to the customer's address on file letting him know the severity of the situation, our intent to repossess and his options for avoiding that outcome. The customer's attempt to reach the finance manager, were after the vehicle was repossessed and the decision had already been made that we would no longer provide financing. The customer was given 21 days to either payoff the vehicle or secure financing from a third party lender. To be clear, we are in the business of financing vehicles, not the repossession business. Which is why we go through such lengthy measures to work with customer hardships. That said, a line must be drawn at some point and regretfully the fact remains that we simply won't be able to help everyone that needs the help. We wish this customer all the best. 

  Customer Answer

  Date: 07/24/2023

  I am rejecting this response because: There was only once on this contract that I had to set up an arrangement. Which I paid in full. As I stated. I was NOT contacted by management. Im usually good at answering my phone unless Im at a work meeting. As I was only told the reason for no contact was due to the manager(*****) being on vacation and out of office for two weeks. When I spoke with an agent to make a pmt I was never informed she would be out of office. I have been in contact with ***** before due to the rude and unprofessionalism of the agents on previous occasions of my trying to pay my bill over the phone. I feel that as a company, there should be more than one manager that should be able to assess and handle situations if need be. And they failed to even inform me for the two weeks I wait for ***** to get back from vacation. There should have been a form of communication for these situations and Concorde auto fails to consider the failure on their part and now Im without a vehicle 

  Business Response

  Date: 07/25/2023

  Every courtesy was extended to customer who has had difficulty making his payments since the day of purchase. Collector notes and recorded phone calls show excuse after excuse for why customer was going to pay late or unable to pay. He requested a postponement of his first payment on November 4, 2022 due to a funeral. Because it was a new account there was no grace ************* Customer made his payment but it was returned NSF. Customer asked for more time. We reluctantly agreed to give him more time. This became the pattern from that point forward. The account was continually  30, 60 almost 90 days past due.  We reached out to the customer daily through email, USPS,  text and phone trying to work with him. Dozens of calls went to voicemail or the customer just hung up the phone after we identified ourselves. Texts went un-responded, mail was returned, and on and on. Both managers reached out to the customer no less than 19 times. It's ironic that now the customer wants to hang his argument on what he claims was a lack of communication.  As i stated prior, we are not in the repossession business. It's always a last resort and consideration is always given to those who show a willingness to be helped. Our decision on this matter is final. The customer is welcome to seek outside financing, however, Concorde is no longer willing to provide said services.  

  Customer Answer

  Date: 07/26/2023

  I am rejecting this response because:   My account was NEVER 90 days past due. This is again just another lie from this company. If I was 90 I wouldve been repossessed when I was over the 28 day **** as your guidelines state as Ive been told by an agent(friend) that works for your company And I wouldve had an outstanding balance a noticeable amount than the $803 I just owed and you towed my vehicle. Again, I dont want a back and forth as Im just stating my experience with a terrible company and I would like to refrain others from making the same mistake I did. This company repeatedly lies and miscommunicates with clients. Just to make them sound better. As you see from the responses how combative they can be. 

• Initial Complaint

  Date:04/04/2023

  Type:Order Issues
  Status:

  ResolvedMore 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.

  Purchased a vehicle 6/15/2022. My vehicle was taken/repossessed 2/5/2023. At the time of repossession, I was behind $800. I spoke with the support team to resolve the situation. However I was informed that I must pay the total principle balance in full to get the car back which is $20,000. I was devastated when I heard that. I continued trying to find other alternative with no success. I was informed that I have until 3/31/2023 to redeem my vehicle but can't find no 3rd party to assist. Although I was told to pay the full amount of $20,O00, I continued to be persistent in tying to uphold my obligations to the contract. On 3/16/2023, I went to there MoneyGram payment center and sent over $1700 which was the amount to bring the account current. I also purchased full coverage insurance naming them as the payee. I immediately email the support team of my action. I was confused when I was informed by the account manager the following day, that they are refunding me back the money and asked why would I send it when I was told to pay the full amount of $20,000. I explained that I am really trying to understand why not, and how this would affect my credit. I have paid over $10,000 on a $30,000 ************ loan that I am just finding out. I also sent a demand letter for arbitration and was informed by support team, they do not wish to arbitrate. Although they have worked with me in the past, I have desperately demonstrated my desire for the vehicle. I'm still holding on by faith to recover this vehicle.

  Business Response

  Date: 04/04/2023

  Customer was given an extra 30 days to redeem his vehicle per the terms outlined for him verbally, via email and certified mail. That offer expired at 5pm,  March 31, 2023. Customer was advised to seek legal counsel if he felt he had additional legal remedies, however, as far as Auto City is concerned, we have no further business with this customer and the vehicle is no longer available. 

  Customer Answer

  Date: 04/04/2023

  I have reviewed the business response and accept this resolution. I accept the proposal to retain the collateral in satisfaction of the obligation.

• Initial Complaint

  Date:12/07/2022

  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 spoke to ******* on 12/5/22 she said in order to have my payment date changed. I would need to email to her my documentation from work. Showing that I get paid on the 15th and 30th of the month. Which I did email her the documentations. She said that would be the only way I can get my date changed to the 15th of the month. I also emailed ***** she said in a email to me once the $737.50 was paid. Then my date can be changed to the 15th of every month. Then ***** emailed me back stating management said no they will not change to the 15th. Because they changed it to the 30th of the month on 10/3/22 via my request. Once I crunched the numbers my rent is due at the end of the month which $1,950.00. Which does not leave m enough money to pay the $550.00 car payment. The 15th of the month works better for me because. I don't have as many bills coming out of that check. I spoke to **** they do not see paying rent as a necessity bill, and that should not be the reason I cannot make my car payment. I told them I'm not dodging my responsibilities on paying my car. I'm trying to explain my situation and management cannot work with me. On changing the due date to the 15th of the month. If I'm willing to tell **** my situation, I feel they should work with. Customers who are transparent about their financial situation. Times are rough financially for me but I working through it. I told ***** I was laid off my job last year, which was the job I had when I purchased my car. I regain employment May 2022 but, my salary is substantially lower now. So now I have to try to move things around financially to make ends meet. I can only pay for my car note on the 15th monthly. If they refuse to change to my payment date to the 15th of the month. I have no choice financially but, to pay my car note on the 15th. On the 30th/31st of the month, I must pay my rent on the 30th. I have a young adult son with special-need it is my responsibility to keep a roof over both of our head.

  Business Response

  Date: 03/16/2023

  Consumer Response /* (3000, 6, 2022/12/08) */ ***Document Attached*** Business Response /* (4000, 8, 2022/12/15) */ On October 3rd, the customer spoke to ********, one of our collections managers and asked her to change her due dates from the beginning of October to the end of October. Customer was due for a payment on 10/5 and we pushed it back to 10/31 but customer failed to make that payment. ****** an account representative called on 11/19 trying to collect payment, customer was upset and was transferred to *****, our collections manager, who worked out an agreement with her. Customer made a payment of $500 on 11/23 (did not pay late fees at that time). ***** explained the mix up and why she was behind, due to changing her due dates to the end of the month. At that time she had another payment due on 11/30 (because of prior arrangement with ********. Customer emailed ***** on 12/10 letting her know that she could make Novembers payment on 12/15 which she made yesterday. She paid a total of $737.50 and that was including the late fees ($137.50). But has another payment due on 12/31 due to the prior arrangement. Customer now says she wants her due date to be the 15th of the month. That request has been forwarded to the finance manager who will make that decision.

• Initial Complaint

  Date:12/06/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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 purchased a vehicle from ********* and used their finance company auto acceptance on July 14, 2022. As soon as I drove off the lot with the vehicle I was hit by a drunk driver and the car had to be towed because I couldn't drive it. I immediately notified the dealership and they told me I had to go through my insurance company that it was no longer their problem. The police was called out and a report report was made. I contacted my insurance company as well as the driver at faults company to start my claim. I then contacted concord and made them aware of the situation and attempted to continue my payments since I put the vehicle in the shop. Due to my injuries I was out of work and didn't return until October 3rd so I requested 2 months be rolled over to the end of my term to help me keep my loan in good standing. The loan officer i spoke with said she couldn't so i requested to speak with a supervisor. I sent in all supporting documents and she approved the roll over however when I went to make my payment the loan officer declined to accept my payment and requested all of the payment or nothing so I surrendered the vehicle back to them because dealing with this company was really stressful. Since day one I had to send several complaints emails and no one cares about the customers. I made a $2,000 down payment on the vehicle that wasn't returned to me and they still put this car on my credit report. I want my down payment returned and also the negative remarks removed from my credit report.

  Business Response

  Date: 03/20/2023

  Business Response /* (1000, 5, 2022/12/15) */ Contact Name and Title: ***** ******** Contact Phone: XXX-XXX-XXXX Contact Email: *********@autocitycredit.com Customer fell behind on her car notes after the accident. Our collections department tried working with her to bring her account current by offering to defer two car note payments in October, as long as the customer could pay $661.76 to cover her past due balance. She was to make that payment by 10/10 and customer failed to do so. She called on 10/13 and tried to make one payment of $315 and work out the rest in payments, because she was so far behind already we weren't able to take that payment. The last payment she made towards her account was on 8/25 for $315.12 and since then has not made a payment, regretfully resulting in a repossession. Consumer Response /* (3000, 7, 2022/12/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I reached out 10/13 to make a partial payment and was going to pay the remaining balance on 10/21 and that would have still kept me on track with my payments. When they said all or nothing i voluntarily surrendered the car back to them the car wasn't repossessed so that is a lie. The car was still in the mechanic shop when I called and told them where the vehicle was and they can pick it up and I was done dealing with their company because they was a pain from day one to deal with. I purchased the car and as soon as I drove off the lot was in an non at fault accident and they didn't care at all and I refuse to give my money to a company that don't care about their customers. Business Response /* (4000, 9, 2022/12/19) */ I can appreciate the customer's frustration. The entire situation was extremely unfortunate. The customer purchased on July 14, 2022. We worked with the customer for over 3 months to try to assist her as best we could. We we made a number of payment arrangements while customer's vehicle was in service. We repossessed the vehicle only at the customer's request. All we asked is that the customer make the payment she agreed to make. The customer chose to surrender the vehicle rather than make the payment she agreed to. Consumer Response /* (4200, 11, 2022/12/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) At the end of the day they have my $2,000 down payment and I did make at least two payments considering I didn't have the car 5 minutes. I feel like it is more than fair that they remove the negative remarks off my credit report. I also, used my insurance to get the vehicle fixed so Concord isn't out of any money and they didn't do me any favors the only person that is out this case is me and all I'm asking for is the negative remarks be removed from my credit. Business Response /* (4000, 13, 2022/12/30) */ Customer wrecked right after she drove off the lot. She later stated that she was on medical leave until November and then she said she needed to cut ties with us because it was too much for her. We had to take over dealing with the shop she left the car at. The car now has had major repairs done, ($6000), but as a token of good will, we will remove the derogatory credit information. This may take up to 30 days to fully process and for the bureau to update their records. Consumer Response /* (2000, 15, 2023/01/02) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the final response to remove all negative remarks from my credit report.

• Initial Complaint

  Date:08/29/2022

  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 purchased a car and it was repossessed. The company reported the status incorrectly to the credit bureaus. I did not catch this for a couple years. When I went through the dispute process, they then updated to say the car was repossessed in the month and year the dispute that I sent in when no data to for all the months in between. I have since done by best to resolve this and they will not. I am asking that they remove this from my report because it is inaccurate and not correct. That's all I want. It's not too hard for them to do that SINCE they are willfully violating the law by not reporting accurately.

  Business Response

  Date: 10/27/2022

  Business Response /* (1000, 5, 2022/09/01) */ Our collections department has researched customer's claims and have submitted updates to the bureau as needed. Please allow 1-2 weeks for changes to appear.