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Report: #1493518

Complaint Review: NTB Tire Kingdom - Florida

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  • Reported By: Whitaker, — Ocala Florida United States
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  • NTB Tire Kingdom Florida United States

NTB Tire Kingdom unscrupulous ethics, no grace period given for payment, Florida

*Consumer Comment: Past Due=Late

*Consumer Comment: Stop playing cards

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NTB and Tire Kingdom: Your company no longer will have our business and I will make it my mission during this time I am home to write on EVERY veteran site, EVERY Caregiver site, EVERY Social Media site what was done to my husband by your company. 

In this time of Global pandemic, the WORLD needs to see how EVERY company treats their customers. Because we all have a CHOICE in where we take our business ESPECIALLY in times of crisis and Uncertainty, I am certain of ONE thing: we will NOT be using your company EVER AGAIN. How can your company throw on a late payment and reduce my husband’s credit over a payment that is 4 days past the due date? Does your company NOT have a grace period anymore? Or in this time of financial panic and uncertainty, did your company executives decide to prioritize payments over customers in order to rake in as much money as possible when people are struggling? Classy move. 

My husband chose your company to care for our vehicles and has NEVER missed a payment. He is a medically retired, Combat Wounded Veteran of the US Army. In fact, when you check his payment record you will find that he has paid the card off in its entirety once already and hasn’t missed a single payment since he used it to put a full set of four tires on his truck. In fact, you will see that he always overpaid what was due in the billing cycle. 

Now, your company has decided to add a late payment fee to his account and decrease his credit limit by over $400. He has never had a late payment fee before and has always paid after the due date since he gets his retirement check on the first of every month. He has requested that your company change his payment day to after the first of the month in the past but was told that it couldn’t be changed. He was also told that there was a grace period for late payments of 7 days which he was fine with since the billing date for his account was the 27th of each month. There was never a problem with this arrangement until now. 

Now it seems that in this time of financial crisis and the crashing of the markets, your company is engaging in very unethical business practices regarding customer payments. It seems that your company only cares about the bottom line and not the service or care of your loyal customers. In a global pandemic, when tough choices have to be made, your company will not be the top choice when it comes between deciding to pay for tires or food or rent. 

My husband was told that there would be a hard pull on his credit report to “see if we can get that credit limit raised back up for ya.” Really? Another credit check? You have his payment records and history right in front of you and then you have to pull his credit again? Reprehensible. You have lost a loyal, paying customer because we have decided to not do business with a company that chooses to take advantage of a crisis to punish its customers with late fees and reduced credit limits in order to gain a $28 late fee. 

Instead he decided to close his account permanently because he won’t deal with a company that treats customers, especially veterans, with disregard and lack of compassion for the situation we are ALL in currently. Shame on you NTB and Tire Kingdom. You have lost a customer for life and I will be sharing this situation with all our veteran friends, the veteran community and the caregiver community in order to shed light on your sketchy business practices. 

This report was posted on Ripoff Report on 04/01/2020 06:15 AM and is a permanent record located here: https://www.ripoffreport.com/report/ntb-tire-kingdom/florida-unscrupulous-ethics-1493518. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Comment

Past Due=Late

AUTHOR: coast - (United States)

POSTED: Friday, April 03, 2020

"How can your company throw on a late payment and reduce my husband’s credit over a payment that is 4 days past the due date?"

Because it’s 4 days past the due date. You wrote, "He… has always paid after the due date…" This may not be just about the 4 days; it may be about always paying after the due date.

A customer’s late payments are not the fault of the finance company. There is nothing unethical or unscrupulous about charging a late payment penalty. Does the written financial agreement offer compassion or a grace period?

Veteran status does not exempt customers from late payment penalties.

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#1 Consumer Comment

Stop playing cards

AUTHOR: Robert - (United States)

POSTED: Friday, April 03, 2020

In your entire narrative you failed to realize one major point. Nothing you posted shows why the Pandemic or any of the other cards you played(Senior Card, Disabled Card, Veteran Card) is the reason you were late.

The Pandemic seems to be the new catch-all excuse for people who think they are entitled to be treated differently. Don't get me wrong, if you were actually affected by the Pandemic then having a company assist would be great and you would have a lot of support. But your situation did NOT change, nor was it affected by the Pandemic. You are on a Fixed Income that didn't change, you admit that you pay late every month. Anytime you pay after the due date, you are late. The fact that they didn't charge a late fee doesn't change that fact.

Did their "grace period" policy change. Possibly, but if it did FEDERAL notification requirements require you to be notified a minimum of 45 days before the change. This would have been well before the current situation. Bad Timing..Yes. Due to the Pandemic..Unlikely.

Perhaps they will eventually waive the late fee this time. But if this is a new policy don't expect them to keep doing this. But what doesn't make sense is your claim that you pay more than is required. If that is the case then this does just seem to be a case where you feel that you can pay what you want, when you want and they just have to accept it. As it appears that if you adjusted your payment you could actually pay the minimum required on or before the due date and not be late. Example instead of paying $200 on the 1st, if you only are required to pay $100, then pay the $100 on the first, SAVE the other $100 and pay it in the next billing cycle before the due date.


In a global pandemic, when tough choices have to be made, your company will not be the top choice when it comes between deciding to pay for tires or food or rent.
- But this is NOT your situation.

Another credit check? You have his payment records and history right in front of you and then you have to pull his credit again?
- Yes and the payment history they have right in front of them is a history of him paying late.

Instead he decided to close his account permanently because he won’t deal with a company that treats customers, especially veterans, with disregard and lack of compassion for the situation we are ALL in currently.
- Makes sense. Of course if you were so worried about the credit check, that would have affected your score by a few points in the very short term. By closing out a line of credit you have lost any positive history with that account. This is likely going to affect your credit in a significantly greater negative way than any single inquiry would have done.

By the way closing the account out does not remove your responsiblity to continue to pay off the card, and it will be at the same terms of the account you have now.  So if you continue to pay late, you likely can continue to expect late fees.

Good Luck

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