ComplaintsforCar Credit Nation

• Initial Complaint

  06/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  To start the account I thought I was a cosigner for a 2012 ****** ****** , found out when I asked for the vehicle to be repossession from my daughter's boyfriend that took off with the car to va Beach and stopped paying for it , I withheld paying while the car was supposedly being repossed from him , they took possession in Stephens City Va and charging me 600.00 to do so , which is 1 thing now I've osid them past due amount plus next payment to the tune of almost 1000.00 now they are telling me that it is due for an oil change and that they have to do before they will release the vehicle which I've paid up , it's 1 surprise after another surprise , I was told that I could get the vehicle after there normal business hours if I signed reinstated paperwork now there telling me that I have to come during their working hours , I've paid what was due and I don't want them touching the vehicle that I'm paying for but....they are holding the vehicle hostage until I tell them to change the oil , there was special oil put In the vehicle and I have bought the oil told them I would drop off my own oil that I want uses, heard crickets ! They are the legalized mob ! Worship ****** my **** they worship money and rip people off that are down on their luck ! 

  Business response

  07/05/2023

  Hello *******************************,

  Your auto lender has a policy that requires urgent maintenance that puts the integrity of the vehicle in harm's way get performed, before returning the repossessed car to the customer.  In this case, the engine oil was past due.  To protect the engine's condition and continue with your loan, the oil must get changed before releasing.  If you insisted on not changing the oil, the alternative would be to pay the vehicle off or obtain financing from a different lender.  Then this requirement to change the past due engine oil would go away. 
  

  Customer response

  07/16/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: It is a mute point at this point !!! Vehicle has been picked up and in my possession and I have it in trusted hands that know the history of the vehicle !!!!!!!! Why the REPO on my credit is my next complaint , kinda funny how I asked you to pick up the car !!!! Its whatever , Please people read all of the reviews before entering this place , They do not have your interest , They are only worried about worshiping MONEY , Not GOD !!! don't fall for it , Cant wait to get this freaking car paid off so I can be done with the MOB!!!!! But I want my credit report fixed , filing a false report for a car that you didn't repo , I asked you to go get the car since I had no idea where to begin looking in VA Beach , get ya facts straight , Karma is going to be sweet sooner or later it will come back around and I hope I'm alive when it does , People Run !!!!! try other sources leave these buy here pay here places alone they are predators and take advantage of people that have fallen on hard times , shut them down by not shopping their junk ...... werent worried about the maintence on the vehicle as long as they were getting there money , I asked them to pick up the car and now all of a sudden they were worried about an oil change that they put cheap ass bulk oil in a car with over 100,000 miles on it and I  was using High Mileage oil !!! IDIOTS!!! Plus released the vehicle to me after I paid them 1000 plus 39.95 for an oil change with bald tries on the front that were below VA Inspection guidelines, but......they state that the proper maintence is to be done before releasing the vehicle back to me , I smell BS 
  
  Regards,
  
  *******************************
  

• Initial Complaint

  04/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I'm financing a vehicle through the company, I have put over $20,000 into repairs. Last week I put $1200 into repairs and now the car is broke down again and they are saying it's gonna cost me $1600 for repairs and labor. When I picked my car up last week they told me there was nothing else wrong with my vehicle and everything looks good and brand new. I believe they are taking full advantage of me cause I have no warranty on the car. I have a disabled daughter and that's are only transportation for her doctor appointments.  Car Credit Nation did this to me before, my fuel pump went out and I told them it was the fuel pump, well they put a starter in my car and two days later I had too pay another tow bill to get the car to them, they said oh yeah you do need a fuel pump but wouldn't reimburse me for the starter that I didn't even need. Please help me, I feel they are taking full advantage of me because I'm a female. They have the car now but I can't afford too pay the $1600 on top of paying $1200 last week and still making my car payment.

  Business response

  05/04/2023

  Hi *************,

  I am sorry to hear you have had to spend money on repairs.  I understand how frustrating that can be especially when unexpected.  You purchased this 2013 **** ****** from us in October 2020. At the time, the vehicle had 94k miles. When we last saw your car in April of 2023, it had 150k miles. This means you have driven the vehicle 56,000 miles since purchase. I reviewed all of your service history with us and in total you have come out of pocket for a total of $2,088.59 with us for repairs. I don't know where you spent over $20k in repairs but it was not with us. Based on statistics, you spent below the average cost to maintain this vehicle. After researching, the average maintenance expense for a 2013 Ford Taurus per 15k miles is $797. With that statistic, the average maintenance expense for your mileage driven would total $2975. This is nearly $1000 more than you have spent with us maintaining your vehicle.   No one from our team is trying to take advantage of you. Instead, we are attempting to keep your car safe while charging less than most shops in our area would charge for the repairs we perform.   The $1132 you spent with us a month or so ago was regular maintenance. Tires, an alignment, tie rod ends, fluid changes, and a control arm. These wearable components wear out over time and must be maintained as you put miles on your vehicle. During your last visit, we diagnosed your overheating concern caused by a coolant leak from the water pump. This repair has nothing to do with previous repairs. We highly encourage you to get this fixed because if you continue to overheat the engine, the repair will be much more costly than the water pump alone. If you would like someone from our team to personally show you what your vehicle needs, we would be more than glad to do that to build our credibility. Alternatively, you are more than welcome to take it to another shop to get a second diagnosis or repairs.
  

  Thank you for giving us the opportunity to serve you!

• Initial Complaint

  01/03/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Purchased a car from this dealership October 2022 I was not told about any issues that it has I did get a 3-month 300 0 mi warranty on minor repairs I took it to a different dealership to trade it in for something that I like better they told me that they cannot use it as a trade in because it was illegal to sell my vehicle at a dealership that it could only be sold at auction because it has previous structural damage and is dangerous to drive I want my money back they can have the card I need to get something that is not dangerous for me to transport my children in I do have an attorney that is willing to take this case if I can't get it resolved

  Business response

  01/23/2023

  Hello *********************,

  We adequately notified you of the previously announced structural damage that got repaired in 2012. I have included a copy of the ****** which you initialed every page and signed the last page. If you did not accept the fact there was previous accident history, prior to taking delivery of the vehicle would have been the time to let us know. Instead you acknowledging with your initials + signature before taking delivery, then drove the vehicle for 8000 miles over 3 months before mentioning this.  

  Just because a vehicle's ****** announces was in an accident previously does not mean it is unsafe. The damage that occurred back in 2012 was repaired and it passed all safety inspections. There is nothing illegal about selling a vehicle with previous accident history, especially since you were properly notified.
  There is nothing I can do at the dealership since you mentioned to me in an email that you no longer have possession of the vehicle. We can not provide an offer to buy the vehicle back from you since you are unable to bring it to us.

• Initial Complaint

  10/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I paid car payments for my car every week they are claming that i missed one week and i sent them proof that i had sent them the infomation to have the card set up for auto pay. They claim to not see this infomation i resent it them many times and they still came and repoed the car. They will not accept the fact that it was a miskate on the companies part and refuse to be helpful in anyway in helping me reslove the issue. even when proof is provided to them.

  Business response

  10/14/2022

  ****************** was in default of the contractual terms of his financing agreement.  We made a strict payment plan to avoid the pick up of the collateral.  ****************** missed said arrangement.    

  Date 1st past due -  8/12

  Payment Arangement due date - 9/16

  Multipile communcation attempts were made between 9/20 and 9/27.  The customer did provide payment information during this time however it was a payment method that is not accepted for with our auto loan payment processor.  We clearly responded with the customer about this and did not hear back from him after multiple communication attempts.

  Vehicle Reposessed - 9/29

  The customer sent an email at on 9/30 at 3:02am including a card ending in ****.  Email says he wants to make sure we got the payment.  This was after the vehicle was already repossessed.

• Initial Complaint

  06/17/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  When I was going through the financial loan papers I had numerous questions because numbers didn’t add up they explain this away but still never satisfied me. Sadly I was in a bind and had to get a vehicle especially since I was dropped off at the business. One of the things I questioned when I read it was a fee for a Shenandoah county business license. I asked them why I was paying their business license and I was told it was a state law. After leaving I researched into this and found out there is no state law and have emailed and texted numerous times and was told someone would get back to me. That was almost 2 weeks ago. I have spoken to a lawyer about a class action lawsuit because I’m quite sure they are doing this to every customer they have. Maybe the Better Business Bureau can get an answer
  Desired Settlement: 
    
   
   
   
   
   
   
   
   

  Business response

  06/24/2022

  Hi *****,  I would gladly provide you with an explanation of this.  The dealer business Tax is a local county tax on the purchase of an automobile.  
  It is standard in the industry for this tax to get passed onto the customer, along with other sales-related taxes and registration fees.   All fees and taxes are clearly identified on the buyers order you acknoledged page by page on your day of purchase.  
  
  The following is straight from the *********************************** Website.
  The Dealers Business License Tax may be passed on to the consumer:
  ? If it is listed as a line item on the Buyers order.
  ? If the charge represents the exact amount relative to the sale.
  ? If the local city, county, or town charges such a tax.
  
  Without accepting any wrongdoing, I would gladly credit you the $26.78 business license tax charged if you desire.  You would need to come into the dealership to meet with me briefly, and I will be able to credit this fee towards your remaining principal balance.
  Please reach out to me directly at ********@carcreditnation.com to schedule a meeting.  
  
  Thanks!

• Initial Complaint

  06/14/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Purchase a 2007********** april 2022 On april 25th had to have the vehicle towed to dealer on april 27th replaced transfer case on april 30th they serviced the transmission On may 25 they had to order a new transmission its now june 14th and i still dont have the vehicle in my position i have made 2 payments while its been in the shop they loan company called me today wanting another payment on june 14th 2022 i explained i couldnt make payment till june 22nd and they denied me that request i explained to the lady **** that i was sick an off work for 2wks due to major health issues and i feel that it is unfair to me that my vehicle been in the shop for 3 weeks an still made payments My vehicle been in the shop more than it has been in my possession i keep bein told it be ready this day and that day and keep bein put off gettin my car back seems like im bein lied too about it and they finance company sayin im in default of my loan now feel as they are saying this veca3i have complained so much about wanting my car that i am paying over 10k dollars for please help me thank you for your time

  Business response

  06/18/2022

  This complaint is outdated and already resolved.  The vehicle has already repaired at no charge to the customer and returned to them last week. 

  Customer response

  06/28/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint:
  
  I am rejecting this response because:
  
  
  Regards,
  
  *******************
  
  The vehicle is still having transmission issues when its put in reverse its bangin an also when u put it in drive this has not been fixed i was told by manager/owners son drive it 5 or 6 weeks an if it still doin it call us back this is not the way to run a business something needs done about this matter my next step is calling tje governor and a lawyer im beyond done with the problems i work hard for my money an my health with cancer an payin out of pocket for treatment this is not what i wanna waste money on car issues
  

  Business response

  07/13/2022

  Hello ***, I am sorry for this inconvenience!
  
  I do not see any record of you bringing the vehicle back after we replaced the transmission a month ago. If you are having mechanical issues with the transmission that was just installed, it is under warranty and you would not have to pay anything for the repair. Please get in touch with our service department so we can schedule a visit to get it diagnosed and repaired.

• Initial Complaint

  05/29/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought a car from them at the end of December 2021, since then the catalytic converter went out when I was driving home, I called them and they made me pay for the tow truck to bring it to them. They said they fixed it. About a week later it overheated on my way to work, there was no coolant in it. It doesn’t start right away half the time.Then my oil valve was leaky, I was burning oil bad. I brought it to them and got charged for it, they didn’t check about why it has trouble starting, but right after my car was making a funny noise. I asked them about it and they said it’s normal for my car. I asked them to test drive it and they didn’t even though they said they did. Since I’m not a mechanic I took their word and thought it was okay. It still smelled like it was burning oil shortly after and the noise only got worse it seemed. and about 2 months later on the way home my car wouldn’t go over 10 mph and sounded like an airplane taking off and smelled like it was burning bad. It’s in their shop now, they haven’t offered to give me something to drive until it’s fixed. They’re saying it’s the exhaust manifold but then said it could be a gasket. They’re now trying to charge me $500(giveortake) and the charge of the tow truck. I’ve never been late on a payment and have kept up with maitenence, I still owe over $13,000 on this car. My fiancé just became paralyzed and I need a car for when he comes home and so I can visit him in the hospital. I don’t know what else to do and I need help desperately. I either want to be put in a new, reliable vehicle by them or to get my money back for this car.

  Business response

  06/03/2022

  Hi **********************,

  I spoke with our service center, and they informed me that your vehicle was completed today and is ready for pickup.  The bill was substantially less than you mentioned in your complaint.  The roaring noise from the wheel bearing and the exhaust leak from the manifold causing the exhaust smell were both covered by your vehicle service contract.  Please reach out to our service department to pick up your vehicle.  

• Initial Complaint

  02/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  f I could give them a zero I would first when I found this place and they said that it was buy here pay, wrong they run your credit, then they tell you do you have the 995.00 to put down well when I get there they tell you based on your credit you can't get the car you want, but when I told them I had a part-time job then I could get the car. but i had to put down 2000.00  me being a single mom and the engine went out in my other car and was really in need of a car. and based on my credit I didn't need a cosigner and it was the car I wanted well after I got the car had the car for maybe a month the car fax report stated they had to replace the alternator. they did replace it at no cost. I did get the extended warranty.but the kicker is just last week after i was at the car dealer all day with them replacing the alternator, I get back home mind you I live a hour in a half from the dealer. I get to ******** with my 12 year old daughter and the turn the car off yes they have trackers on the cars. mind you it was raining and i had no way home. because my insurance had lapsed I know you need insurance and it was a small mistake it was one day. so now i have to pay to get the insurance and pay a repo fee for one day they say they are ******** people **** no. rip off all about money. I i did not need a car so bad and was in a rush to get one and had more time to look i would have never got a car from them. I have taken the car back two times for things that they said they fixed but they clearly didn't.

  Business response

  02/24/2022

  Hi ****,
  
  Not quite sure what wrongdoing you are claiming we did?  Yes, our underwriting team checks credit, as do most auto dealerships.  Yes, we investigate the customers' ability to repay a loan so we ensure they do not buy a car outside their ability to repay the loan.  Sometimes the solution for a customer getting the vehicle they want is to require additional money down to get the monthly payment to an acceptable amount.  Regarding the repossession, we gave you days to obtain a valid full coverage insurance policy.  The contract you signed at the time of purchase discusses and identifies that you must keep full coverage insurance at all times.  This is standard with just about ALL automotive lenders.  Just 2 months after you purchased the vehicle, you failed to maintain a full coverage insurance policy, which is why your car was repossessed.  You were given the opportunity days before repossession to obtain a full coverage policy, which you failed to do.  

• Initial Complaint

  02/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Purchased a 2013 ***** ******* on 11/6/21 on or around 1/27/22 vehicle engine blew towed vehicle back to dealership on 1/29/22 I paid for towing myself was told engine would be replaced and the new engine would arrive 2/11/22 I called the evening of 2/14/22 and was informed the engine had arrived I called 2/15/22 to see estimated finish date only to be informed that my new engine never showed up and wouldn't arrive for another 5 to 6 weeks

  Business response

  02/23/2022

  Hi ******************,

  I investigated the situation and here is what I found.  There is an internal mechanical issue with the engine in your vehicle and it is covered under your extended service contract.  You were given 2 options for this repair.   

  Option #1 - Replace the engine with a used engine with the same or less miles than your vehicle has today.   Used engines are available immediately and the repair could be completed quickly.

  Option #2 - Replace the engine with a remanufactured engine.   These Manufactured engines are backordered and we were given an estimated arrival date of 5-6 weeks.

  The last we spoke, you chose to go with the reman engine knowing the estimated delivery time.   If you have changed your decision and would like your vehicle back sooner please contact our service department and let us know.

  Business response

  02/25/2022

  From: ********************* <*************************>
  Date: Thu, Feb 24, 2022 at 8:52 PM
  Subject: #********.
  To: Better Business Bureau <[email protected]>
  
  This complaint has been resolved

  Customer response

  02/25/2022

  This issue has been resolved

• Initial Complaint

  10/20/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  August 23rd, 2021 purchased 2016 **** ****** from this business. Check engine light was on told it was from oil change & had not been reset after test drive check engine light turned off. Check engine light came on August 27th, 2021 at 7pm called car credit nation on Monday August 30th when they opened took car back to have repairs there for 3 1/2 hours for car to be fixed check engine light came back on September 13 dropped car back off to be repaired car was overheating at this point told it was a fuel injector & it was ready to rock & roll picked car up September 17th check engine light came back on September 18th phoned into service center told I would have to bring it back in questioned what I would be able to do about a vehicle told me it was nothing they could do now the car is back in for repairs that they claim is headers & gasket & I have to pay out of pocket $1900 Minimum what are my options this vehicle was knowingly sold to me like this

  Business response

  10/27/2021

  Hi *********,  I spoke with our service manager.  Head gaskets are not typically a covered repair but he is going to work with your vehicle service contract company in attempt to get them to make an exception and get this covered for you so the repair can be completed without this large expense to you.   Please expect a call from in in the near future.  His name is *****.   Thank you for giving us the opportunity to serve you. 

  Business response

  12/03/2021

  Hi ********* *****,

  I apologize again for how long the repair took but at this point you have a completely brand new engine from **** ***** Company.   I was a pleasure speaking with you this afternoon and I am glad ou now have the car back in your possession.  Thank you for being patient with us and giving us the opportunity to serve you!

  Customer response

  01/19/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ********* *****
  

*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. ↩