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Report: #365884

Complaint Review: Triad Financial Corporation/ - oad Loans - Chicago Illinois

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  • Reported By: St. James Missouri
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  • Triad Financial Corporation/ - oad Loans Department, CH14222-5505 N. Cumberland Ave. Chicago, Illinois U.S.A.

Triad Financial Corporation - Road Loans Added $900.00+ to our account without notification, offered to settle-out @ 20% discount because they didn't want to be audited. Delaying title still waiting Chicago Illinois

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After we elected to keep the vehicle in a bankruptcy, Triad refused to re-affirm the loan. They put our account in the Legal Dept. & said we would no longer receive a statement. So I had to make my own & had to send for regular itemized history reports for credit references. As they issued a report to the credit report agencies about the bankruptcy but didn't make reference to our continued payments/history.

When it came down to the last few months we saw a financial advisor who told us that we owed more. It turned out to be approximately $900.00 more. When I called to find out why they stated that it was additional interest & she wasn't sure how it accumulated. I asked for a complete history report of our account it turned out to be "1 DAY" late payments. I had always taken pride in making my payments before they were due and can only remember one time that I knew the payment would be late because I was in the hospital and it was mailed late.

After several conversations I said I was not willing to pay unless they could show all 900 dollars worth of extra charges. I in fact told her that I wanted an audit of my account. She put me on hold and came back to offer a settlement. She said if I waited till the end of the agreed payoff month that they would most likely settle out without owing the additional. When I called back at 3 months left she denied have told me that.

On the last payment she said they would settle for -20% of the $1400.00 we still owed. Big deal!

Now she says that the account will show as "Settled in Full". But we can not get them to send a reciept, contract paid statement or anything proving that we have an agreement. My account still shows a payment due and a balance.

She said it would take 3 days to process & 10 days to recieve the title in the mail & to call back if we do not receive it in 10 days. When I called on the 10th day she denied having said that. She said that she said it would be on hold for 10 days and if I hadn't called it would probable still be on hold. It has been 4 days since she said it was mailed, still no title!

St. James, Missouri

This report was posted on Ripoff Report on 08/22/2008 02:59 PM and is a permanent record located here: 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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