• Report: #380956

Complaint Review: Texas Auto Credit Solutions

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  • Submitted: Mon, October 13, 2008
  • Updated: Mon, October 13, 2008

  • Reported By:MANOR Texas
Texas Auto Credit Solutions
105 W Riverside Dr Suite 212 Austin, Texas U.S.A.

Texas Auto Credit Solutions Losing car payments Austin Texas

*REBUTTAL Owner of company: Texas Auto Credit Solutions Rebuttal

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On December 15 2008 I went to Capitol Car Credit located at 7008 S. IH 35 in Austin, TX 78745 to purchase a car ( 2005 Chrysler Sebring). The price for the car was 18,858.24 the agreement was a 1,200 deposit, I made it in payments, 500.00 due on 12-19-08, 350.00 due on 1-2-08, and 350.00 due 1-16-08. After the down my monthly payments were 183.94. I made my payments with cash monthly to Texas Auto Credit Solutions located at 105 W. Riverside Dr. suite 212 in Austin, TX 78704. August 14, 2008 I was told that my account was being switched to BayQuest Capital Corporations located in Florida, because I had good payment history and BayQuest was suppose to be a larger financial institution. I made my last payment to Texas Auto Credit Solutions on 8-14-08 for a total of 367.88 that payment was for 8-15-08 and 9-1-08, in the process of transferring my account to BayQuest I was told that I didn't make a payment for 8-15-08 I had to fax my receipt to Leslie at BayQuest Capital Corp. I received my code for my car by Leslie because I have a timed device in my car and if I don't make my payments on time my car gets turned off. On 9-16-08 I called in to make a payment but I was told that I owed 367.88 and that I didn't make a payment for 9-1-08, I told Leslie at BayQuest that I had already faxed her my receipt for the payment, but I was still unable to receive a code and I was told that I still owed 367.88 I was getting transferred to many different departments and nobody could find out why I owed 367.88 even though I faxed in proof of my payment. On 10-13-08 I received a call from someone working with Texas Auto Credit Solutions saying that my account had been transferred back to Texas Auto Credit Solutions in Austin, Texas I was told that I owe 800.00 but I made a payment to BayQuest on October 11, 2008 for 576.00, I provided her with the receipt and she says that I still owe 300.00, I told her that I didn't because my next payment isn't due until 10-15-08 for 183.94, so I have no idea where she was coming up with these numbers. My car was turned off from 9-15-08- 10-11-08 because BayQuest and Texas Auto Solutions were saying that I owed way more than what I really owe. I all of my receipts from all of my payments made.

MANOR, Texas

This report was posted on Ripoff Report on 10/13/2008 09:46 PM and is a permanent record located here: http://www.ripoffreport.com/r/Texas-Auto-Credit-Solutions/Austin-Texas-78704/Texas-Auto-Credit-Solutions-Losing-car-payments-Austin-Texas-380956. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 REBUTTAL Owner of company

Texas Auto Credit Solutions Rebuttal


Many times in the finance business loans are sold to other lenders. This is common in the automobile industry and the housing industry.

Once a loan is sold the obligation of the person that owes the money is to pay it to the NEW lender.

This person was given proper notification about the sale of their installment loan to Bayquest.

All of the documentation was done properly and in an orderly fashion.

Once a loan is sold Texas Auto Credit has no legal right to direct the collection efforts of the new lender.

Texas Auto Credit Solutions did not and can not interfer with the collection process of a loan that has been sold.

If a consumer meets all the obligations of the loan they will reap the benefits of that good payment history. If on the other hand the consumer does not live up to the obligations set out in the contract they will be in default.

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