• Report: #37937

Complaint Review: Long Beach Acceptance Corp

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  • Submitted: Wed, December 11, 2002
  • Updated: Thu, December 12, 2002

  • Reported By:Brandywine Maryland
Long Beach Acceptance Corp
P O box 678 Newark, New Jersey U.S.A.

Long Beach Acceptance Corp Very unprofessional ripoffs overcharging scandals screwed others too Newark New Jersey

*Consumer Suggestion: Inside info for you TEE that the credit industry will NOT TELL YOU

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I call Long Beach Accpt. Corp. today to make payment arrangements on my car loan that is not even 30 days late today, I ask for the gentleman that left a message for me but instead I got a collector by the name of Ms. Moses. I explain to Ms. Moses that due to financial difficulty that I would have to postpone Novembers payment until a later date, I also asked her could I make arrangements for the payment.

Her voice then got very loud and she said to me if your payment is not in our office within 10 days we are going to repose your car. I tried to explain to her that if thats what she needed to due then whatever works for the company. But how can you reposing the car still want me to pay you. I tried to reason with her as her voice tone kept getting louder and louder, by the end of the conversation she told me I was feeling guilty for myself and hung up the phone. I in turn called back to speak with her again and she said I am not talking to you and hung up the phone again.

I did not asked to speak with her in the first place, once she felt she could no longer speak with me she should have transferred me to the first gentleman I asked for in the beginning of our conversation. I have never had a car reposed before, but I have had an occasional late payment. Here I am trying to make a payment arrangement with a collector, normally the consumer hangs up the phone on the collector, but I'M trying to make a payment, she hangs up on me.

The customer service collectors really need to be screened before being hired. This is very important when running a business. If this company continues to display these acts of services the board of directors should know so I guess I have to be the one who brings it to there attention. Would anybody like to join me?

Tee
Brandywine, Maryland
U.S.A.

This report was posted on Ripoff Report on 12/11/2002 01:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/Long-Beach-Acceptance-Corp/Newark-New-Jersey-07101/Long-Beach-Acceptance-Corp-Very-unprofessional-ripoffs-overcharging-scandals-screwed-other-37937. 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 Consumer Suggestion

Inside info for you TEE that the credit industry will NOT TELL YOU

AUTHOR: The Great Thorn - (U.S.A.)

Tee, I do not know how much you know about the credit industry and how the credit reports work.

There is a type of credit report that consumers are not aloud to have access to. This credit report reveals so much about you and your credit's past. Car dealers across the country pull what is called a Experian/TRW that includes what is called a "Profile summary" that contains your Score. My Fair isaac score right now is 798 with a 100% revolvng availble ansd I am 15/0/0

In a profile summary it will show if you have any outstanding judgemnets against you. It will show what is called Revolving available in a percent.

Say you have a credit card that has a limit of say $1000 and you go shopping and spend $150. You now have what is called 85% Revolving available.

If you have 85% available you get 15 points added to your Fair Isaac score. If you have a $1000 limit and you spend more that $500 you loose points.

The more you bounce around from address to address you loose more points on your score.

You also have a section in the profile summary that is monitoring how many people pull a credit report on you. The more inquiries that you have on your credit report, it will lower your Fair Isaac score.

please understand that if it is reported on your credit report that you have a late payment on a line of credit you will loose 29 points off of your Fair Isaac Score.

If you are having trouble with the size of your car payment I stronly suggest you do something about fetching a lower car payment real fast because you are killing the buying power of your credit.

Most car dealers and banks do NOT want you to know how the scoring system works, nor do they want you to know the TRUE BUYING POWER of your credit so they can make more money off of you in higher interest rates.

Tee Please be very carfull with your credit. A poor Fair Isaac score can hurt your future in a very big way.
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