My sister helped me to buy a 2000 Mazda thru the Credit Union, We had it for 10 months. They money to pay for the car was supposed to automatically come out from my account. That was done on my request.
The bank never paid the money and kept telling me that everything was okay for the entire time I kept checking with them.
I told them I did not see where they were taking the money from my account and they would pretend to do research and told me everytime it was being paid. For the entire 10 months no payments were made, they never sent a late notice, or tried to contact my sister, they had all the correct information and finally they took the car and reposessed it.
When I went to the branch the employee who always helped me said he would take care of it and again verified to me that all the notes and information to take the money were there and it should have been taken out.
He also checked that for the entire time, my account had never been below double the cost of the vehicle, he said he would take care of everything.
When i came back 2 days later to check, he said he could not help and gave me a number to call the collection department, he said he was sorry, but he could do absolutely nothing because my sisters account had been closed off delinquent.
The bank employees tell me since it has gone to collection it is out of their jurisdiction, I have left messages from the bottom all the way to the president of the branches and also to the collection departments all the way to the president, and i never got a single call back.
The collection departments tells me they cannot give me information because the car was in my sister's name and ask me to have her call, when she calls they tell her the money was coming out of an account that she does not have any access to and tell her for me to call.
On several occassions the collection employees and supervisors refuse to speak to me and insult me or hang up. They refuse to speak to us regarding the incident and now they want $5,000 more than the cost of the original loan. The loan was for about $10,000 and now they are requesting over $15,000 and they say it is going to continue accruing interest. They send my sister a notice they would sell the car at auction and charge transaction fees for everything from late payments, repo fees and also storage all the way thru the sell.
PLEASE DO NOT DO ANY BUSINESS WITH THIS COMPANY, THEIR EMPLOYEES LACK PROFESSIONALISM AND THEY CANNOT ACCEPT WHEN THEY HAVE MADE A MISTAKE OR EVEN TRY TO FIX IT. NOW I AM WITHOUT A VEHICLE AND MY SISTER HAS A REPOSSESSION AND WILL PROBABLY END UP PAYING FOR A VEHICLE WE WERE NOT ABLE TO KEEP.