| 05/29/2019 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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On XX/XX/2019, I initiated a search on Clay Cooley of XXXX XXXX website. I immediately got an email and phone calls started right away. I talked to one person and explained my financial situation and also described my trade in. I was assured that they would be able to get me taken care of. She explained they have fresh start programs and that they are giving maximum trade in values. She specifically told me they give more than what the car is worth through the month of XX/XX/XXXX. I told her my payoff balance was around {$11000.00}. I had it written down on a piece of paper when I got there. There was really bad weather that day and there were hardly any customers there besides me. I met with the sales person I was told to ask for. She got some information and I told her that my tradein was in my son 's name as he got the car in his name since I was going through a divorce and my credit was not good. I told them I wanted to try to get a vehicle on my own to build my credit. Later she came back with another salesman. They advised me that it would be best if I buy a brand new vehicle versus the used vehicle I looked at online.
After some talking, they came back with payments of around {$1000.00} a month. I had already explained that I was divorced and only had 1 income and a little bit of spousal support that would end in XX/XX/XXXX. I had already told them my budget was in the {$400.00} - 500 range. My current payment was only {$360.00} and although I knew I would be challenged by my credit, I was willing to try to get a good deal. Unfortunately, they both told me it would be better if I had my son on the loan as a cosigner because of his credit and income. I called and asked my son and he said ok as long as I could refinance within a year like the salesman told me and then I could be on the loan by myself after I've had months to build my credit.
After more time, they came back with a payment of {$580.00} a month and explained that if I pay half of the payment before the due date and the other half on the due date that I would save in interest, etc ... ..I was still uncomfortable with a payment that high because again, I only have one income and I felt like that would be really stretching my budget. That would be a {$220.00} difference. After they spent more time convincing me that I could do that, I thought maybe I can do this if I cut out any extra expenses but as it was, I was just getting by with what I was bringing home. My rent was going up to {$880.00} for a 1 bedroom and I was a bit worried about being able to pay all my bills. While this is going on, there was bad weather outside as well. At this point, I feel like I should have asked for my car keys back and left. But I also wanted to have the payments I had been making to benefit me too since I was paying on time every month on a vehicle that was in my son 's name. I wanted a fresh start to build my credit up and to be my own person now that I was divorced after 29 years.
Finally after being there from XXXX XXXX, it was already XXXX XXXX when another gentleman called me in his office to sign the paperwork. Again, very few people in the dealership and at this point I was so ready to go home ... .the person pointed to where I needed to sign. He said " I have good news for you '' ... .we got your payment down from {$580.00} to {$540.00} because we added gap insurance and a full 5 year warranty. He never pointed out how much I was getting for my trade in. The XXXX only had a little over XXXX miles on it ... .I can't remember the exact mileage but it was not over XXXX so it was considered a low mileage trade in. He never pointed out the price I was paying for the new vehicle. He did tell me the the APR would be 10.60 %. Because it was so late, I felt rushed and then they wanted my son to drive 30 minutes from XXXX to XXXX ( in bad weather ) to sign his part. Then they said they could have someone drive out to his home to get the documents signed so they did that. They arrived at his residence around XXXX XXXX and I had to tell the guy to let me know when he arrived and not to ring the doorbell because they're baby was asleep already.
After that, I never received any copies of the paperwork. I had no chance to look over what we signed for. I called several times ... .I emailed the girl who had been emailing me daily to get paystubs for my son ... .all of the sudden, she was not responding when I needed something. I kept asking when can I pick up my copy of the paperwork. Another week passed and I decided I needed to stop by the dealership to get paperwork. By this time, it was already XX/XX/XXXX and we signed on XX/XX/XXXX. It took about 30 minutes for them to locate the information and basically they printed off of a computer. The paperwork I have in my possession has not signatures on it. I thought this was weird because we always got copies of the signed documents for all the other vehicles we've purchased in the past. Today is XX/XX/XXXX and I still don't have the full copies.
Now, in looking at their website ... .the same vehicle I purchased is showing on their website as " the price you pay '' anywhere from {$16000.00} to {$17000.00}. The sale price that shows on my paperwork appears to be the MSRP price of {$21000.00} and that is supposedly after {$3700.00} rebate was deducted. The contract shows the amount financed is {$28000.00}. I have been researching and I'm definitely paying way too much for this vehicle. All I wanted was a fair deal. The math is all over the place.
Sales price : {$24000.00} Amount Financed : {$28000.00} After {$3700.00} rebate = cash price {$24000.00} Trade in value : {$9000.00} - tradein payoff : {$11000.00} - difference of {$2400.00} Taxable amount : {$12000.00} and sales tax : {$750.00} Am I correct that this doesn't make sense? For that much money, I should be driving an XXXX XXXX or XXXX ... I purchased a 2019 XXXX XXXX ... the base model. Not an XXXX or anything fancy.
To add to the bad deal I got, it took them almost 4 weeks to pay off my trade in. I had to call several times about that as well.
They promised me a good trade-in value and said to go in and ask about their specials. Their website is showing the 2019 XXXX XXXX XXXX for under {$20000.00}. I am wondering why I'm paying way more even by having my son on the loan with his good credit.
Please help me figure this out. This is the first time I've had a very bad experience. I was there over 4 hours and I wished I would have questioned them more or had them explain the contract better because I might have just kept my own car and kept shopping for a better deal.
They sugar-coated and over promised stuff and did not deliver. I did not get even close to what they were telling me I could get for my trade in and put full price on the contract. I hope this dealership changes some of it's ways.
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| 12/18/2018 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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The dealership has modified the contract without my knowledge and/or consent. XXXX XXXX XXXX XXXX has the original contract that shows incorrect lien holder, they received it on XX/XX/XXXX, XXXX XXXX WAS NOT listed as the lien holder on the original contract anywhere. On the original contract shows XXXX XXXX as my lien holder on every page that was signed and that is NOT the correct financial institution that funded this contact.
XX/XX/XXXX, a pre-approval was issued by XXXX XXXX XXXX XXXX so I went to XXXX XXXX XXXX in XXXX on XX/XX/XXXX, presented my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I purchased XXXX XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, Texas, XXXX. The vehicle was FALSELY ADVERTISED online as a pre-certified. The dealership DID NOT DISCLOSE prior history of the vehicle at the time of purchase, such as the vehicle had a performance chip which and was tuned by the previous owner. XXXX Deceptive Trade Practices Consumer Protection Act ( DTPA ) states the failure to disclose information concerning goods or services which was known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed. The names of the sales employees were XXXX XXXX, the sales manager was XXXX XXXX, and the finance manager was XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, charged the manufacturer warranty, however, NO WORK WAS DONE ( see attached documents ). I waited in the lobby for over 4 hours, even when I informed them that I had a XXXX appointment in XXXX that I was unable to make due to the service advisor and service manager purposely kept me waiting when they knew exactly what was wrong according to a PRIOR work order dated XX/XX/XXXX ( see attached documents ).
XX/XX/XXXX, I was in contact with the title clerk at XXXX XXXX XXXX, she informed me that the contract I signed, on XX/XX/XXXX, had the INCORRECT lien holder, XXXX XXXX, and that all of the paperwork would need to be resigned in order for her to get my plates issued. The title registration application has the incorrect address and was filed showing incorrect owner city and county.
XX/XX/XXXX, I RETURNED THE VEHICLE TO THE DEALERSHIP! I spoke with XXXX, a finance manager, he reviewed the contract and said that it was INCORRECT but that it wasnt a big deal and all we needed to do was update the contract and sign it again. I informed him that I wouldnt be signing another contract and handed him the keys, his said that he will just update the contract and that he doesnt need me to sign another contract, my reply was that if he were to do such a thing, it would be ILLEGAL and I will contact the TXDMV and the XXXX. He followed me outside yelling at me to take my keys because I cant leave the car on his lot, that this is going to show as a repossession on my credit, and he was going to call the bank to come tow my car. My only response was for him to do whatever it is he felt he needed to do but that I didnt want anything to do with the vehicle.
On XX/XX/XXXX, I spoke with an XXXXnvestigator from XXXX XXXX, she also acknowledged that the contract they had the wrong lien holder, so therefore, would get in contact with XXXX XXXX to cancel everything so a refund could be issued.
XXXX XXXX funded this loan without reviewing the contract for errors and/or misprints.
On XX/XX/XXXX, XXXX, XXXX XXXX finance manager, contacted me by phone threatening me that if I didnt pick up my car that he would make sure it was reported on my credit so that I would not be able to finance another vehicle. He was yelling at me accusing me of lying about the contract but when I put XXXX XXXX on a 3-way phone he immediately hung up. Afterwards, I spoke with the investigator from XXXX XXXX, she claims the dealership have a contract and a contract assignment which displays XXXX XXXX as the lien holder. However, the only contract/contract assignment form that I signed has XXXX XXXX ( see attached documents, date/time stamp at bottom ).
XX/XX/XXXX, XXXX XXXX drove the car back to my house and left it parked on the street with the keys in the cup holder. I made it home 6 hours later, luckily my neighbor called and let me know people were in front of my house. The temporary tag expired on XX/XX/XXXX, I still have not received plates from dealership due to the information that the dealership has on the registration is WRONG! I have already received a warning from the city about the car not being legal.
XXXX XXXX tried covering up their contractual errors by falsifying parts pertaining to the original contract, as well as, misleading acts and/or claims such as justifying their actions by telling XXXX XXXXXXXX, after I returned the vehicle and refused to resign the new contact, that I requested to use XXXX XXXX as my lender, FALSE! As a matter of fact, XXXX XXXX DENIED my application on XX/XX/XXXX ( see attached document ). Why would any dealership make false allegations unless they obviously acknowledge that all of this occurred, due to their own mistakes, under no circumstances, should any dealership justify such UNPROFESSIONAL AND/OR DECEPTIVE CONDUCT TO EXTORT CONSUMERS BY PRACTICING SALES ACTS THAT PROVIDE FALSE STATEMENTS AS MATERIAL FACT, WHEN KNOWINGLY AND WILLINGLY COMMITTING SUCH ACTS WITH THE INTENTION TO DECEIVE THE CONSUMER IS AGAINST THE LAW AND IS IN VIOLATION OF THE CONSUMERS RIGHTS. HOW MANY OTHER CONSUMERS HAS XXXX XXXX INTENTIONALLY DECEIVED FOR THEIR OWN FINANCIAL GAIN? THE END RESULT IS ANOTHER VICTIM, XXXX XXXX HAS SCAMMED, WILL BE NEGATIVELY AFFECTED BY BAD CREDIT RATING WHICH BRINGS ECONOMIC HARDSHIPS FOR CONSUMERS.
I also have voicemail messages from XXXX XXXX XXXX acknowledging the contract was incorrect and needed to be resigned in order for the title to be filed. The temporary tags have expired and the dealership is not cooperating with me to fix this problem.
XXXX XXXX XXXX. : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX
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| 12/06/2021 |
No |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CCOOLEY AU bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/28/2017 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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This is in regards to a car loan that I have with XXXX XXXX for a XXXX XXXX XXXX. I have acquired my vehicle thru XXXX XXXX in house financing back in XXXX XXXX. I have made all payments in the amount of {$510.00} were all made on time since the original loan. However the XX/XX/XXXX payment I made the remaining payment amount of {$140.00} dollars was made on XX/XX/XXXX and hard posted to my bank account on XX/XX/XXXX. I received as call regarding delinquency on XX/XX/XXXX @ XXXX and spoke with the supervisor XXXX XXXX who advised me that XXXX XXXX has a 3rd party payment processing company XXXX and they advised her that the funds in the amount of {$140.00} ( which was the remaining amount due for my XX/XX/XXXX payment ) was sent back to the bank due to NSF on XX/XX/XXXX. She advised me at that time to reach out to my bank and discuss the matter. I did speak with my bank who advised that the payment had been made on XX/XX/XXXX and hard posted to the account on XX/XX/XXXX and that I had more than enough money in my account to make the payment. The bank requested for me to get a trace number on this transaction so they could do the necessary research on their end to trace this payment. I had a XXXX way conference call on the XXXX @ XXXX with with XXXX XXXX and the XXXX XXXX representative. The rep advised her that there was nothing that did not show NSF nor where there anything showing that funds were being sent back to the bank.
At that point, XXXX XXXX advised the rep to have someone in the back office look into my account to see if by chance there is a clerical error or if the funds have been placed back in the wrong account. The call ended on the note of a follow up call to be made after the research had been done on the banks end. On XXXX I spoke with XXXX XXXX @ XXXX and advised her that per the bank the payment had processed and the funds have not been sent back over she then advised me that my account is in delinquency and subject to be picked up if the issue is not resolved. On XX/XX/XXXX a 4 way conference call was made with me, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX at XXXX ( which is the 3rd party processing collection company for XXXX XXXX ). XXXX advised that the payment was made on XX/XX/XXXX but came back as NSF on XX/XX/XXXX. He provided a trace number via email to XXXX XXXX which at the time XXXX advised that the bank would complete an investigation on and a follow up will be made on this issue. XXXX XXXX advised XXXX and me that she would put my account on hold until we could get this issue resolved. XXXX advised before the call on his end was disconnected that he would send the email over to the XXXX XXXX XXXX with the information approximately around XXXX XXXX that morning.
I received follow up collection calls since this issue occurred as of XX/XX/XXXX and after XXXX XXXX advised that she would put the account on hold to prevent calls from being made to me. Since our conversation on XX/XX/XXXX I have received the following calls : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The bank has completed a complete trace per the number that was provided and I have notified XXXX XXXX several times that the payment has not come back as NSF . However she has advised me several times that if the issue is not cleared up then they will come and pick up my car. However my request of XXXX to do the research on their end to trace the payment and show proof of this payment being posted on XX/XX/XXXX then being NSF on XX/XX/XXXX has gone null and void. XXXX XXXX is threatening to pick up my car for a payment that they can not find. I clearly have all the documents including the email and bank statements to show proof that the bank does not have the funds neither have they been placed back into my account. They are not trying to look at the possibility that maybe their 3rd party processing company has either lost or misapplied my funds. I continue to get the threats that my car will be picked up for this missing payment yet I have everything that shows that the payment was made. XXXX and XXXX XXXX need to find my money ASAP. We need immediate contact with XXXX XXXX on this issue to resolve this due to the repeated threat of a repo on a payment that I clearly have made. I also have the documentation that shows on my credit report that the XX/XX/XXXX payment has been made. That I am not late nor delinquent at all on any of my payments. I think that they are running a scam and trying to get over on people who DO actually pay their payments. You really want to repo my car over a {$140.00} that your company lost when clearly making the payments have never been a problem. There was no other option but repo until this issue was corrected. That is over the top and sad THIS ISSUE IS URGENT!!!!!!!!!!!
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| 11/20/2020 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
Older American |
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3 years ago I went to Clay Cooley off of XXXX and XXXX I met a young lady there I hadn't seen in 3 years I co-sign for a car for her I didn't know they had game going on with me the next day I went back up there I told him I did not want the car during the car back in I wasn't in my right mind when I did that the car was turned back in I came back home the young lady at the dealership turn around and gave her the young lady the car back without me knowing about it she had been having the car driving for a whole month to months I didn't know anything about aunt in XXXX call and ask for the payment as to what car payment what are you talkin about the car was strength back in they said no you have a car in your name I said know that car was turned back in I never got any paperwork on the car I have been fighting this for 3 years young lady at the car dealership gave the young lady the car back told her she didn't have to worry about anything she fixed it to where I would have to take her to court so she can keep the car for free so this young lady been driving around and I asked you V haven't paid my one dime on it for free this went on my credit report I have been fighting this for 3 years they have told so many lies I've got to stop from the car lot I have been up to Clay Cooley car lot on Mini and mini occasions I talked with a young man because I never got any paperwork he gave me a piece of paper 2 years ago where my name where somebody forged my name on the paper I went back up there to talk to the same young man and they have fired him from there they giving me that paper and talkin to me I am XXXX when I went in there that day I had no intentions of purchasing no car for her and nobody else I had a loved one that passed away I was out of my mind I went back the next day had the car turned back in tell them I did not want the car the salesman young lady kept telling me I need to let the woman keep the car no I found out this woman didn't have no insurance she didn't have license nothing who does then I said no the car is turned back in why would you turn around and give her the car back without me knowing about it still in my name till this day this woman still driving around in a free truck and new used truck in my name it is so heartbroken because I am a XXXX woman can't get no house can't get nothing in my name I can't get anything because this is on my credit report they would not take it off my credit report this woman is getting tickets in my name toll fees in my name and I'm still having to spend that money I have cried for three years because they did me bad that car lot is very crooked they are crooked they're doing a lot of people wrong up there selling people cars saying it's a XXXXwhen it's a XX/XX/XXXXI've been cussed out we're coming up there calling calling calling about that car when the car was turned end and you want in return gave it back to the woman without me knowing about it stealing my name yes I have been fighting this I have been talking and fighting this for 3 years and it's so sad that this woman been driving a free truck for 3 years in my name and I'm held reliable for it something that was turned in the car was turned back in you are at got the car and you turn around and gave it back to her without telling me in my name who does things like that this is a wicked world we live in I want this off of my credit report I have talked with the credit report on for three years I've been fighting with them to take it off my credit report and they would not do it they won't even report it that I've been calling and talking to them fighting with them the car lot even cosign my name fragili it wasn't my signature somebody put my signature on a piece of paper and it wasn't my signature I want this SUV taken off of my credit report because it was sad the way they treated me and Dad 's me and I have been fighting this for 3 years please take this off of my credit please Clay Cooley car lot has been doing a lot of crooked and dirty work to people getting people in cars utilizing other people whatever they can do to make a cell to put money in their pockets they don't care they do that and it's hurting a lot of people I don't want anybody to suffer and go through what I have went through what I'm still going through thank you for listening to me but please help me get this off of my credit report
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| 01/23/2017 |
No |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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On XXXX/XXXX/XXXX I began the car buying process with Clay Cooley Motor Co. On XXXX/XXXX/XXXX, the process was stagnated after the finance manager told me that I MUST purchase an extended warranty in order to complete the vehicle purchase. The document that I was told that was mandatory that I sign, had a clause in it that indicated that the " purchase of the extended warranty was not necessary in order to obtain vehicle financing ''. I declined to sign the document and left the dealership and immediately filed a complaint with CFPB that was later resolved at the corporate level on XXXX/XXXX/XXXX. I took ownership of the vehicle on XXXX/XXXX/XXXX. On the same day my original complaint was resolved, XXXX/XXXX/XXXX, I received an additional " welcome call '' confirming my auto purchase and the terms of my contract. During this conversation, it was discovered that the paperwork submitted to underwriting by Clay Cooley XXXX XXXX XXXX was not the same paperwork that I had signed with the dealer representative. I was asked by the underwriting manager XXXX to send her a copy of the contract that I signed at the dealership on XXXX/XXXX/XXXX. Once she saw the contract that I had in my possession, she indicated that all of my numbers were wrong and that I needed to sign a new contract at an interest rate 4 % higher than what I originally contracted for. Keep in mind, I was approved for financing one full calendar week before taking possession of any vehicle in their inventory. I was later advised by XXXX that the terms of the contract that I signed would be honored. I conferred with an attorney and based on the law in the state of Texas, I was in possession of a valid contract under the law, and it appeared as though the dealer did not want to honor the terms of the contract due to the fact that I had already filed a complaint against them because of the extended warranty. The warranty cost was taken off of my account, and it appears as though a higher interest rated was entered to make up the loss by the dealership. After my conversation with XXXX, I was assured that the information they have in the system would be corrected. I made my first car payment on XXXX/XXXX/XXXX ( one week early ) and to my surprise, learned that my interest rate was 20.93 %, although my contract states 17.10 %. I called customer service on XXXX/XXXX/XXXX and was deferred back to the dealership to resolve my concerns. I contacted the dealership and was told I needed to resign another contract. I asserted that I was in possession of a legal and binding contract and any mistakes made by the dealership are not the consumers responsibility to resolve. On XXXX/XXXX/XXXX, I inquired about the registration plates for my vehicle and was told " they had not come in yet ''. By XXXX/XXXX/XXXX, I still did not have tags for the vehicle as my paper tag was set to expire XXXX/XXXX/XXXX ( a Saturday ). I was directed to leave a voicemail for XXXX XXXX. I did not receive a call back. After not hearing back from the Clay Cooley representative, on XXXX/XXXX/XXXX I went to the local Tag Office in XXXX XXXX, TX with my sales contract and was advised nothing was showing filed with the state to register the vehicle I purchased on XXXX/XXXX/XXXX. I phoned XXXX XXXX again and she stated that she had not received any paperwork to forward to the state to register my car. At this point, Clay Cooley has reported the purchase of a vehicle to all three credit bureaus with a contract that I did not sign, they have willfully held title paperwork back and refuse to register the vehicle that I have been financially responsible for since XXXX/XXXX/XXXX. I lost two days of wages being unable to drive an unregistered car, and I have been charged and additional 4 % in interest since XXXX/XXXX/XXXX, unbeknownst to me without my signature. After repeated requests their representatives have refused to produce the sales contract showing my signature for the rate of 20.93 %.
|
| 05/04/2018 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX.
After attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame.
The conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction.
Section 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.
|
| 09/16/2021 |
No |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX XXXX entered into a consumer credit transaction with Clay Cooley XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Clay Cooley XXXX XXXX took cash. The finance charge is suppose to inclose insurance, Clay Cooley XXXX XXXX made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
I was not disclosed my right to rescind.
|
| 11/23/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.
|
| 06/01/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a vehicle ( XXXX XXXX XXXX XXXX - White ) from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) on XX/XX/XXXX.
I noticed that a couple of weeks had passed, and that my original loan from my trade-in, had not been paid off. I made several attempts to contact the dealer, to inquire about the loan pay off. Every time I called, I was either placed on hold, with nobody returning to the phone, or was told that someone would contact me. Each time, no response. I eventually reached out to my sales rep, who said he spoke to someone in Accounting, and that the check had already been mailed. He even assured me that it would reach my lender by XX/XX/XXXX. I even gave it a couple of days, and on XX/XX/XXXX had checked with the lender to see if the check had arrived. They explained to me that they had not received the check for this loan pay off. I was finally able to reach someone in Accounting on XX/XX/XXXX, who told me that they had, in fact, had not mailed the check.
I have purchased several vehicles and have never experienced a loan pay off as slow as this one. I have even had to make an additional payment on the prior loan, so I could avoid late fees and a negative hit to my credit. It's not so much the fact that it has taken so long, but the simple fact that I have been lied to repeated times about the situation. I'm genuinely concerned that this dealer will not pay off my pre-existing loan, even though they have contractually agreed to do so.
It's now XX/XX/XXXX and there are no signs of things loan being paid off.
|
| 11/30/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.
|
| 09/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I disputed an incorrect date on XXXX XXXX with XXXX for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted XXXX and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX, someone responds to the bbb complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted XXXX only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting XXXX marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of XXXX and XXXX is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.
|
| 03/08/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score.
Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh.
Next StepsKeep up the good work.
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX has reported that your credit score has decreased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh.
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX.
Details Updated Score : XXXX.
|
| 02/21/2021 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
I purchased a XXXX XXXX from Clay Cooley XXXX in XXXX Texas on XX/XX/2020 it was the worse experience of a lifetime. The sale person proposition me a favor since he sold me the car, the finance person said I had a maintenance agreement when it was time to get my Oil changed I found out I didn't have it. I cancelled the extended warranty for {$3000.00} it was not taken from the loan until XXXX. The {$3000.00} was applied as payments towards the loan, but the amount was never taken from the loan, so I'm still paying on it monthly. I purchased the Car {$27000.00} ( Trade in was added to the purchase price {$7000.00} ) I still owe {$26000.00} with monthly payments of {$540.00}. I tried to return the car within the 3 days and was told by the sales man I was not able too. He said to me and I quote " you come in here with a XXXX credit score no money down and expected lower payments ''. Just Rude! I have been turned down 30 times trying to refinance this car. Covid hit the next month and I was not able to move forward with the complaint, everything closed. I sent messages and no answers, I feel like I was taken advantage of. I went to get an oil change and was told I didn't have the maintenance agreement even though I signed into the program, what was included was {$1500.00} deal that helps you locate your car which when I signed the paper I was told it was of no charge. These people need to be investigated
|
| 09/13/2018 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Hello CFPB, On XX/XX/2018 I called XXXX XXXX Cooley/XXXX XXXX Talk to supervisor XXXX. Advised my loan # XXXX and my account # is XXXX. Told her that I filed Chapter XXXX Bankruptcy and my case number is XXXX. Supervisor XXXX said I would not receive anymore calls from XXXX Cooley finance during my bankruptcy. She also said that she knew that it would be a FDCPA violation for XXXX Cooley to call me during my bankruptcy.
I am still receiving harassing collection calls from XXXX Cooley Finance. There collectors tell me that they will continue to call me. This is a violation of the Bankruptcy collection laws and its also a violation of the Fair Debt Collection Practices Act. On XX/XX/2018 received a call at XXXX from phone number XXXX collector name XXXX left voice mail said I need to call XXXX XXXX Cooley XXXX On XX/XX/2018 XXXX received call from XXXX collector name XXXX XXXX XXXX Cooley Finance . Talk to XXXX and she said that I will continue to receive collection calls from XXXX Cooley/XXXX XXXX because my account is not coded as a bankruptcy account.
Address XXXX Cooley Finance XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX, Texas XXXX Companies have had to pay very stiff fines for committing these violations. Could XXXX Cooley receive a letter from the CFPB letting them know that they have committed these violations?
Please let me know Thank You, XXXX XXXX XXXX XXXX
|
| 02/06/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by Clay Cooley XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX XXXX the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
|
| 12/27/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
A few days ago I bought a new truck from XXXX XXXX XXXX XXXX in XXXX Texas. Once the final price of the vehicle was established I was asked to go to the bank and get the down payment for the vehicle that we agreed to. Once I arrived back from my bank with the down payment I went to the finance office. In the finance office I was told that I have to buy extended warranty in order for me to buy the truck at the price we have already agreed to previously without any stipulations I was also told that I qualify for a lower interest rate at 2.5 % but because the dealership is not making enough money on the sale of the truck I have to pay 4.5 % interest first four months in order to secure the deal. They said just finance it for 4 months and then you can pay it off or refinance but not before then. I told him that's incorrect information he went to the manager and came back to the office and said they are no longer willing to sell me the truck then gave me my down payment check back. I had already invested four hours of my time being there and waiting with my family they used this against me and force me to buy the truck without warranty but with a higher interest rate he even showed me that I qualified at 2.5 % APR with almost to XXXX credit score and a very low debt to income ratio and 50 % down payment on truck.
|
| 08/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX/XXXX/XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
|
| 04/12/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX Texas. I purchased a vehicle XX/XX/XXXX of this year. I do not have my registration or my plates yet. The state is also showing that there is a lien on the vehicle in the name of the previous owner still. They also do not have a Texas title for the vehicle.
I then get two letters in the mail from XXXX saying that the dealership canceled my extended service contract and my gap coverage. I called XXXX to confirm that there is no coverage on the vehicle and they confirmed that there is in fact no coverage, the dealership did cancel both contacts, and the dealership was issued a refund for approximately {$5000.00}.
I have spoken with the dealership with the finance XXXX, and he is giving excuses for delays in the titling and registering of the vehicle. My sales person has been telling me since mid XXXX that the registration has already been done and that I will get it any day. The state, my XXXX XXXX tax assessor, is saying that no, its not registered to anybody and thats when I was told about the lien from the previous owner. Ive tried asking to speak to the general XXXX of the dealership and no one will ever transfer me to them. I never get past the finance guy.
|
| 07/10/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, XXXX XXXX
|
| 08/01/2018 |
No |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have requested no phones call from this company since the beginning of my loan. The refuse to remove my number and continue to call. If I am 1 day late I get threatening text email and calls that they are going to turn my car off. On XX/XX/2018 My account was 20 or 21 days past due and I spoke with XXXX and explained I was getting a loan through my credit union to make the payment because I missed 3 days of work for my grandmothers funeral. That she wasn't accepting my arrangement and was moving forward with my account and then she hung up on me. My account has never been more than 30 days past due and I get threatened with every call from them. I get calls, emails and text with them threatening to turn my car off. 2 weeks ago they shut my car off on a Saturday when I had arrangements set with them and wouldn't answer the phone. I was with out a car until that next Monday. They use the GPS shut off even on 1 day past due. Tells me that because this is tote the note loan I have no rights and they can do what they want because they took a chance on me. Their collection efforts are harsh and abusive. Just because my credit isn't perfect doesn't mean they can be ruthless.
|
| 10/28/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I purchased my vehicle XX/XX/XXXX at XXXX XXXX I was told by the sales guy that after a year I would be able to trade my vehicle in if I paid my payments on time in which I have never missed a payment. I decided to go to XXXX XXXX XX/XX/XXXX to trade my current vehicle in for a new car. The sales guy told me that the person that sold me the car was just saying that and its not completely true. I have been paying my car note on time with no issues at all and was denied as they told me car is too low which is not true. This program the Fresh Start Program is misleading and takes affect on me as the XXXX XXXX has ran my credit to basically waste my time. Not only does this steer me away from doing future business with XXXX XXXX but this takes affect on my credit as well. I was even told by the agent that after a year XXXX XXXX was to transfer my loan to actual bank since I have paid on time and none of this has been done. XXXX XXXX really scammed me into something that I am stuck in and wasted my time as well. Coming from an on time paying customer
|
| 12/15/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
|
Web |
|
|
In XXXX of XXXX I purchased a car the motor blew up within a about 3 days of the purchase i returned it to CLAY COOLEY MOTOR CO XXXX XXXX XXXX XXXX XXXX, TX XXXX and chose not to purchase at all because I felt that they had wronged me in the sale of the car. They submitted this item to my credit report as a charge off, when it should have never been applied to my account. This charge off has cause hardship in not being able to purchase a new car and continues to create issues for me financially damaging the moral of my credit worthiness when I was initially wrong. In this case I would like to request that they remove this item from my credit report as this was not my purchase. And I am not to be held responsible for the car. So that I can move along. But I have not been able to do so because they have this item on my record as a repression while, I waited for a very long time for answers on getting the car repaired. this event ultimately caused stress and put me into an early XXXX, and I was not in any position to be able to dispute this item.
|
| 03/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased my vehicle from Clay Cooley XXXX back in XXXX. I had issues from the beginning with every maintenance light being on in the vehicle so I ended up having to take vehicle back to get looked at. I get my car serviced regularly and have receipts to show for. I purchased a XXXX to have secure transportation for not just myself but for XXXX small children as well. I have not had the car even a year yet and the car just completely shuts down which put me in the position to do the research on the vehicle that was sold to me by their dealership. I do not see me putting more money into getting in fixed after being promised that the vehicle was good. I needed the car at the time really bad and after doing the research on the car other people have had the same issue as well. I pay my car note on time and I asked if I could trade in for something safer on the road as I am paranoid to drive the vehicle. I was told no. I am needing something done because they are more concerned on getting money and not assisting as I was told before.
|
| 04/16/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchase a car from Clay Cooley on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my car broke down. The company made me pay XXXX dollar for a loaner car in addition to my car note. They kept my car until for over a month without fixing it. Once it was finally fixed I ended up taking the car back 2 additional times for the same problem. On XXXX XXXX they traded me to another car. After having the new car only 3 weeks I had problems with it. I took it in they supposed to have fixed it and a week later it is now back in the shop. I have made all my payments on time and have continued to receive bad service. I still am not driving my car and I have requested upper management to get involved and arbitration but no one will help. The company will not remove the other car loan from my credit and I was told that I would get the new car for the same price as the old but they increased the price and made me pay for another warranty.
|
| 03/12/2019 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Dealership did not sell vehicle for amount advertised on their website. I purchased a XXXX XXXX XXXX on XX/XX/XXXX for a total due of {$31000.00} which includes sales tax and title/registration fees. The Cash price of the vehicle listed is {$24000.00}. On XX/XX/XXXX, on the Clay Cooley website, the vehicle they sold me with the same VIN # is listed as {$17000.00}. I texted the sales rep XXXX XXXX XXXX about the discrepancy on XX/XX/XXXX and ask why the price had gone up by approximately {$7000.00}. He contacted me by phone on Monday XX/XX/XXXX and said that the advertised price on their website was a typo. He said they had a meeting about it and that the result of their investigation is that the amount on the website was a " typo ''. No other explanation given
|
| 04/14/2021 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Had a total loss. The Gap insurance coverage required from me to obtain a copy of the ELO Connected and Protected agreement. Which I had to obtain directly from the office were I financed the vehicle.
They were not able to assist me stating they do not house those agreement and it's been almost two years since I financed the car.
They gave my a contact name of XXXX XXXX at XXXX.
XXXX.
I called her XX/XX/2021. She answered and said she would get me the agreement.
I have followed up with her several times and even the finance office again and as of today XX/XX/2021 I have yet to receive a copy of the agreement.
This is causing my total loss to be delayed and is damaging my credit score.
|
| 04/04/2022 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XXXX I requested a refund from XXXX XXXX for a service plan called in XXXX. XXXX. Per their policy this is refundable 30 days after the vehicle purchase which mine was on XXXX. I have requested that they issued the refund but have been given the run around by XXXX ( XXXX from accounting department ) and from XXXX ( XXXXdealersip general manager ) I request that they issue this refund for the service plan that was cancelled in the amount of {$1400.00} and send it to the lienholder at Lien holder mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
|
| 03/23/2022 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have made 4 requests to XXXX XXXX ( XXXX ) in regards to canceling the service plan for R.O.A.D IN TIRE in the amount of {$1400.00}. I have also requested this to XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) who directed me to XXXX XXXX and CC 'D his supervisor XXXX XXXX ( XXXX ) who has also not responded to this request.
I noticed they have been receiving my e-mails based on the read-receipts that I requested. I specifically asked that they communicate with me via e-mail as it is my preferred method and will avoid future misunderstandings..
|
| 08/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.
|
| 02/12/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
On XX/XX/XXXX I received an alert that my credit score had changed. When I checked the alert it stated that XXXX XXXX reported that I was 120-149 days late on my payments. I don't understand why they would report that when they sold my account to XXXX XXXX in XX/XX/XXXX. I longer have a contract or even contact with them. I am current and update on my payments to XXXX XXXX. When I call I keep getting people give me different numbers but no one knows what I need to do to have it fixed.
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| 03/11/2022 |
No |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I am submitting a complaint after several rounds of dispute letters. Clay cooley is still being reported in my credit profile when the loan account was transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this Clay Cooley account still reporting as opened when it was sold and transferred. I have attached proof for both accounts. The account status is incorrect, please remove this from my credit profile. This has already been claimed on my taxes as well
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| 07/20/2023 |
No |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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I purchased a new car from Clay Cooley XXXX of XXXX on XX/XX/2023. They gave me the wrong car. On XX/XX/2023 I returned to the dealership to exchange cars. They had me sign new papers with the correct VIN.
I discovered they ran a hard inquiry on my credit report twice. I was not told about either report. I assumed they would run one on the XXXX but I never agreed to the report on XX/XX/2023 and I want that inquiry removed from my credit report.
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| 07/11/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.
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| 01/16/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX and XXXX called me to inform me that they see that I qualify for a lower car note payment. The question was asked if I would like to do so, I said Yes. No one mentioned having to run a hard inquiry on my credit during the process. I did not even go through with the process because I leave in XXXX and the dealership is in XXXX. There were two inquires placed on XX/XX/XXXX and XX/XX/XXXX.
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| 12/12/2019 |
No |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I traded in my XXXX in XXXX-XXXX and XXXX XXXX In XXXX XXXX didnt finalize my trade correctly it shows I owe a debt when my car was a trade in and my car was paid off.
I have tried several times to call them over the years and I gave up. I know the importance of my credit and I need this removed This also has caused ( XXXX XXXX to stay on my account from XXXX because of this error )
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| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Clay Cooley aka XXXX XXXX has not reported my on time payments to the credit bureau 's. Clay Cooley is a 2nd chance financing credit rebuild vehicle loan program and state they report payments and to date this has not been reported during my 1 1/2 years loan with them I 've even sent letters to all 3 credit bureau 's requesting that this be done as of the beginning of this year/
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| 11/07/2017 |
No |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.
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| 03/27/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I HAVE TRIED TO RESLOVE THIS MATTER WITH XXXX XXXX FOR SEVERAL MONTHS. I HAVE SPOKEN WITH SEVERAL REPS THERE AS WELL AS A SUPERVISOR SO HE SAY. MY CAR WAS PAID OFF WHEN I TRADE IT IN. THE PAY OFF WAS COMPLETED XX/XX/2017 YET THEY STILL HAVE NOT MADE THE PROPER ADJUSTMENT TO MY ACCOUNT. MY CBR 'S STILL REFLECTS A BALANCE OF $ XXXX
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| 08/01/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The credit bureau is reporting a closed account from Clay Cooley Motor Company on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.
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| 03/11/2018 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX is reporting the wrong information on the credit reports they have wrong information on XXXX and right information on XXXX XXXX I had an agreement with them to not be held responsible or liable for this car and no money owed and its reporting I owe money. it should be 0 money owed and not called a repo.
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| 11/29/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEENXX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
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| 12/07/2023 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I HAVE MADE ATTEMTS TO CONTACT FINANCE DEPARTMENT AT CLAY COOLEY XXXXXXXX XXXX XXXXXXXX AND HAVE NOT HAD A RESPONSE. I WAS FORCE ( TOLD I COULDNT GET FINANCING UNLESS I PURCHASED A {$3500.00} EXTENDED WARRANTY ) ALSO FAILED TO GIVE COPY OF CONTRACT AND EXTRA KEYS
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| 05/25/2021 |
No |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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A agreement was made with the company that if the vehicle was given back which was voluntary I will no longer be responsible for the vehicle spoke with someone and I was told I should not be liable for the vehicle because it was sold by the company
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| 03/15/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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got the car XX/XX/2018 returned the car.contacted company car had been sold .the balance on the car is still a high bal with the account closed .my reported balace is XXXX.but the high bal is is at XXXX although the car has been sold.
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| 11/30/2023 |
No |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I call multiple times in XXXX. I have yet received any information. I have called XXXX multiple times I have tried going to the post office them letters Ive filled out envelopes. Ill try finding errors in the contract.
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| 03/31/2017 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
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| 01/15/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS
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| 07/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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The credit bureau is reporting a closed account with Clay Cooley Motor Company that is over 7 years old.
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| 06/24/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Disputing 3 inquiries from XX/XX/21 XX/XX/21 XX/XX/21. From XXXX XXXX XXXX as unauthorized.
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| 12/28/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 01/29/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 12/03/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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|
| 05/16/2022 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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|
| 04/12/2022 |
No |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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|
| 01/31/2022 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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|
| 11/27/2021 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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|
Web |
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|
| 11/22/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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|
| 11/10/2021 |
No |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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|
| 10/05/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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| 10/05/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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|
| 02/12/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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| 08/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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|
| 07/30/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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| 07/30/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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|
| 07/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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|
| 07/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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|
| 02/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Phone |
|
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|
| 07/13/2018 |
No |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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|
| 02/10/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/31/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
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|
| 06/26/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
|
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|
| 05/24/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/15/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/24/2017 |
No |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/03/2016 |
No |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 10/06/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/04/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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