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Report: #419775

Complaint Review: Triad Financial Corporation - North Richland Hills Texas

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  • Reported By: Packwood Washington
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  • Triad Financial Corporation 5201 Rufe Snow Drive North Richland Hills, Texas U.S.A.

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These guys are unbelieveable. First I was told by the car company that they wouldn't finance me unless it was a new car, despite the fact I didn't want a new car, I went with it.

Then I get a welcoming call from Triad, when asked about the new car thing, they said it wasn't true and they would have financed a used car with mileage average to the cars age. Mind you, this was after the 72 hour return was up! They said I could change my due date after my first payment was made. Yah right! when I needed to do this they said that their policy had changed and that wasn't an option anymore.

I thought that when policies were changed, they were supose to notify their customers just like credit card companies do. They didn't.

I was told by one of their callers that "I need to get my priorities straight" refering to the fact that getting to the bank to make a deposit so they could get their payment was a higher priority then getting to work on time. Lets see, isn't having a job the only way to get that payment made?!

Talk about harassment! The constant phone calls at work have put my job in jeapordy. They were told by myself, the owners, management and other employees that we can't receive calls at work, but continue to do so. I put it in writing and sent an email. the law says they have to stop, they didn't. their snide comments and retorts have been made not only to me, but the owners where I work and co-workers.

They also, instead of leaving a message on my machine, told one of the owners that they were coming to get the car, so now, whether he knew I was behind at the time or not, they just let him know that I was. Which is also against the law. These guys need to be stopped, I intent to investigate pursuing a harassment lawsuit against them.

Packwood, Washington

This report was posted on Ripoff Report on 02/03/2009 04:01 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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#4 Consumer Suggestion


AUTHOR: Robert - (U.S.A.)

POSTED: Saturday, February 07, 2009

does not apply to creditors. This is an established FACT and is not debatable.

There may indeed be other STATE statutes that might protect you and that they have violated. You should check with the Washington attorney general's office or some other WA state consumer protection agency for advice.

Here in NY we have a state statute, Article 29H, that prohibits any debt collector including creditors from contacting your employer UNLESS there is a money judgment in place.

Perhaps the state of Washington has a similar state statute.

Good luck.

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#3 Author of original report

A little more info

AUTHOR: Andie - (U.S.A.)

POSTED: Saturday, February 07, 2009

FTC website is, you can also file a complaint with them. The FDCPA states that a collection agency in anyone collecting a debt for another party. Is does not say that the original lender cannot also be the collection agency. Lenders have collection departments, these are considered a creditor, it also does not 3rd party only. If anyone has any questions, refer to the website above and search for FDCPA.

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#2 Author of original report

In Reference to rebuttel

AUTHOR: Andie - (U.S.A.)

POSTED: Saturday, February 07, 2009

Each state has different laws. I'll admit that the car dealer lied to me, I know this! My contract does have a 72 hr return. As for Creditors calling your place of employment, The Law states in a nutshell that 1. a creditor may contact friends, family or employer to find out you whereabouts. he cannot say that you owe any depts, nor imply that he is a debt collector. 2. a creditor cannot call you work if you have notified them that you cannot receive calls at work. 3. a creditor cannot harass, oppress, or abuse you in regards to collecting a debt. This includes threats of physical harm, reputation, foul language or just to simply annoy you until you pay. For more information, go to the FTC website. This company, original lender or not, has violated all of these laws.

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#1 Consumer Comment


AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, February 03, 2009

It sounds like the car dealer lied to you on some points in order to get the sale. There is NO "Cooling Off Period" for new cars, so it did not matter if you found this out after 72 hours. As soon as you signed on the dotted line the car was yours, even if you turned around 30 seconds later the deal was done.

As to the "changing in terms". This may or may not be a lie, but probably was. I doubt there was ever the ability to change your due date. However, the only terms that matter are the ones in your loan documents. So read that over carefully.

As to them having to stop calling you at work if you request it. On this you are also wrong. Their is the Fair Debt Collection Practices Act(FDCPA) that would stop this. However, that ONLY applies to 3rd party collection agencies not the original creditor(which Triad is). It is also not illegal for the original creditor to discuss your current standing on the account. You could attempt to file harrasement charges, but in the end that probably wouldn't go anywhere, and your time and money would be better spent trying to get your loan paid off.

However, in the end they are not totally at fault. You were not forced to get that loan. You said you didn't want a "new" car, but that is all the dealer was going to sell you. So LEAVE and go to another dealer.

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