Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I have had nothing but problems with the service that the collectors provides at this dealership as well as the mechanics. Their emblem is a smiley face, but I dont think I have ever smiled after talking to anyone there. Complaints are that I have been cursed, belittled, told that I would n't receive anymore calls from anyone after I filed my last complaint. I was supposed to have filed at least ten complaints since then. I was told I wouldnt receive anymore calls before XXXX because I am at work and its inconvenient and then the next call i receive was XXXX. I was given a deferment but did n't know it until after it was done. I made both payments because I was trying to catch up and then afterwards was told that I am ahead now. I then asked to make sure that the funds are applied correctly and not to the late fees and that I will start making payments to the late fees separately. Now I have said this at least 20 times to different representatives that keeps applying the partial payments to late fees without adjusting it. My last consistent representative would send a door knocker to my house literally every single time that I did n't answer her daytime call. I became very close with the door knocker because she as well, confirmed that it seems like my representative is using it as a scare tactic. I have had the repo lady door knocker call me and work out a ppa with me and then she would call the same lady that kept giving me a hard time and she would belittle me and say she wont go for that. I even gave her my XXXX without her asking to show her I am making double and half payments please just allow me to catch up, she then told me to use my rent check. I had told her my XXXX and to just give me time to figure out a payment and she still was rude and unsympathetic. Then weeks later my grandmother died. I was still attempting to make payments, she just wanted me to make three. I was told if I made payments I would get a deferment so I make payment and nothing. Throughout my course of being with the finance company, I have had to beg them to take payments at one time, begged not to talk to certain people and then to find out they just end up changing their name and using their last name. I have been through the ringer with them. XXXX. The operations manager told me that I would not have to talk to anyone ever again from the company and if I needed something to call him. I have left messages, demanded to speak with him and also told the company that I will catch up payments after I hear back from him because my payment were n't being applied correctly and to let him know that I was still receiving calls vs him advising me I would never receive any. The representative that I last was dealing with regularly, I had spoken with her and then told her I would make some calls and call her back and she then called me back two hours later. I will attach all of my call records. Their main # is XXXX but they also had the repo lady calling and calling restricted. My last call I was told that the payment was applied to the late fees and so I advised to have operations manager call me and I wouldnt make any payments until and I waited like always and have not received a call back from him at all, have been refused to transfer me to him. At this point I would like to know if there is a local attorney that I can reach out to. I was supposed to file at least 10 different complaints, but I know how damaging that can be for a company, because I am a collector as well. I can sit here and list over 20 different violations from the company and their representatves. Lastly, took my truck for oil change prior to warranty exp and told them I spelled gas heavily and was told no its no leak so now its parked until i c what happens here.