ED Magedson – Founder
United Auto Credit1071 Camelback #100 newport beach, California USA
United Auto Credit GINA in the Bankruptcy department rude and condenscending. patronizing irritated that i questioned her newport beach California
On March 17, at approximately 1:46 pm, I made a phone call to my auto loan company to ask a simple question about how my payment history would be reported on my credit report after I filed for bankruptcy. YES, I had to file. Not something I am very proud of. However, I am trying to right that wrong by educating myself financially and diligently monitoring my credit usage and income/debt ratio. Because of this LIFESTYLE change, I noticed that United Auto Credit was not reporting on my history. I was counting on that because it would show the world that although I couldn’t afford the house anymore that my husband and I lived in on my own when he became unemployed, I would at least show that I have a personal vehicle and was very responsible with the payments.
I initially spoke to GINA, who right away seemed uninterested in my problem of why United Auto Credit had stopped reporting a positive history on my credit report. She assured me that UAC had sent out a Reaffirmation of the loan letter that would have allowed them to report. Well, I’m sorry, I had no idea what that was. So when I asked her what that letter was and how that would have been beneficial to me and my issue. She stated “I have no idea how that would benefit you. That is a personal choice”. WOW. I must have really missed something. I was only attempting to understand what this magical piece of paper was. I said to her that my lawyer, during the bankruptcy failed to mention this to me and this was the first of me hearing about this letter. Yes, even the judge did not say anything about it to me. So I asked again “How would this letter have changed matters?” She stated that because I did not have a reaffirmation of the loan letter signed that the company would “LET” me; yes LET I drive the car. Hold on, you mean the car that I’m paying for?
OK now I’m defensive. So I stated “wait, I’m paying every month to drive this car, you are not letting me do anything. As evidenced by a contract that UAC signed and I signed two years earlier, without any missed or late payments ever. And as a matter of fact, a current balance that reflects two months in advanced since November 2013. Where exactly is the gracious favor of UAC here?” She then states “well, if you want to have it reported differently, you can certainly have it refinanced with another company.” Whoa, whoa, whoa, who said anything about that? I just wanted to know why this reaffirmation paper would have made a difference in my life that is apparently so pathetic that she doesn't have the time to talk to me. I’m funny, well educated, and versed in many things, except Law. Sorry. I then said to her that I would prefer to speak to someone else, because clearly, as a customer (or at least I was until I filed for bankruptcy), I felt her judgment was compromised and no longer able to effectively help me. I spoke to Eric, the supervisor, who did not at all ease the mind of the customer, Oh, forgive me, (the person in bankruptcy), and diffuse her behavior. He just simply told me in so many words that while my payment is and has always been current and ahead, my credit report would never reflect it because I did not sign that magical piece of paper.
I have learned my lesson. Thank you GINA and Eric. You have taught me well today.
This report was posted on Ripoff Report on 03/17/2014 10:41 AM and is a permanent record located here: http://www.ripoffreport.com/r/United-Auto-Credit/newport-beach-California-92612/United-Auto-Credit-GINA-in-the-Bankruptcy-department-rude-and-condenscending-patronizing-1131225. 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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