Complaints

• Initial Complaint

  10/21/2024

  Complaint Type:

  Order Issues

  Status:

  Unresolved

  More info

  I started the lease on my car in November of 2022 and I recently decided that I would like to pay the fees and exercise my early lease termination right that is clearly stated in the contract. When I called APG financial I was told there is no way to terminate my lease and that if I want to get rid of the car now I must foreclose on my car by stoping my payments and having them repossess or voluntarily repossessing the vehicle and that they will report it as a repossession to the credit bureaus. They have refused to give me an amount to end my lease. I acquired an attorney who reached out to get an amount to end the lease and I have emailed them and have heard nothing in return. I do not want to take them to court but if they refuse to honor the early termination section of the contract I will have to. I have tried calling and email and they will not cooperate or give me any information needed to exercise the early termination of the lease.

  Business response

  10/22/2024

  Dear ***** *****,
  Thank you for reaching out and sharing your concerns with us. I apologize for any frustration you have experienced while trying to resolve this matter.
  To address your concern, the fees mentioned in the event of repossession are standard procedures, should a vehicle be repossessed, either voluntarily or involuntarily. However, your contract should indeed include clear terms for early lease termination, and we want to ensure that those terms are honored appropriately.
  Please allow us some time to review your case thoroughly. I will escalate your request to the appropriate team, and we will ensure that you receive a clear breakdown of any fees and the options available to you. We understand the importance of resolving this promptly and will do our best to provide you with an update as soon as possible.
  Thank you for your patience, and we appreciate your continued efforts to work through this with us. If you have any further questions or concerns, please feel free to reach out directly, and we will assist you further.
  Sincerely,
  John K*******
  General Manager

  Customer response

  10/25/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I have still not gotten a response from the business in regard to fees for ending my lease or proper procedures to do so.

  
  Sincerely,
  
  ***** *****

  Business response

  10/26/2024

  ***** 

   

  we just reminded the manager of the finance department, she will be in touch on Monday the 28th of October. 

   

   

  thank you,

   

  Customer response

  10/28/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  The manager called and told me what I said in my first complaint, she would not give me fees to end my lease. She told me that no matter what I could not end my lease early it would count as a voluntary repossession on my credit report if I terminated the lease. My attorney read the contract and said that the early termination would not be a repossession on my credit report and it clearly states I can pay restocking fees and 3 base rent payments. I want to know what the fees associated with ending my lease are so that I can drop my car off and bring a check. My attorney and I have both sent the letter via email and we would like a response in writing ASAP. I have attached the letter for reference. I am making every attempt to settle this outside of court and would greatly appreciate communication and cooperation from your business.

  
  Sincerely,
  
  ***** *****

• Initial Complaint

  10/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Around July August I spoke with ****** about possible debt resolution and with their agreement, I couldnt afford to pay it so I never signed the contract and nothing came about it couple months later it showed up on my credit report. I contact ****** and told him about the situation and *********** and ****** agreed that this was a mistake because there was no legal binding contract for it to be on my credit report so they said and promised to have it removed off on a credit report . because of this situation its has knocked me down 140 points on my report. after about ******************************************************************************************** down another 46 points. tried to contact them to Have it taken care of but they act like they dont care and its ruining my credit report and my future this is fraudulent and want it taken care of

  Business response

  11/04/2024

  Dear Mr. ************* style="color: rgb(34, 34, 34); margin: 0px; font-size: small; font-family: Arial, Helvetica, sans-serif;">Thank you for reaching out and sharing your experience. I understand how frustrating it must be to see an impact on your credit report, especially when there was no signed agreement. We take these matters very seriously, and its our priority to ensure accuracy and transparency in all our dealings.

  I apologize for any miscommunication or oversight that may have occurred. We will investigate this matter thoroughly to understand why this account appeared on your credit report and why the resolution you discussed with ****** was not fulfilled. I will personally follow up with our finance team, as well as ***********, to get a clear status update and work toward removing any inaccuracies from your report.

  Our goal is to support you through this process, and I will ensure we keep you updated on every step. Please let us know if there is any additional documentation or details you'd like us to review. Thank you for your patience as we work to resolve this.

  Sincerely,
  **** ********
  General Manager
  ************

• Initial Complaint

  07/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ive been paying on my car for over 2 years now and ive had to skip a few payments due to hardship, I dont want to go into detail.. but each time something has changed about the process. so the first time I had to skip a payment I simply called and got it setup.. after I had to go in and give reason pretty much and now they need me to send in a receipt for the repairs ive made such and such but this has been a process going on for about a month now ive been trying to get ahold of them for the issue to be resolved and that I dont miss a payment at this point it seems ridiculous because I haven't been able to get ahold of nobody even after going into my dealership multiple times

  Business response

  07/22/2024

  Dear ***************************,
  Thank you for bringing this issue to our attention. We apologize for any inconvenience caused by the recent changes to our payment arrangement process.
  We are actively reviewing our procedures to streamline the process for future skipped payments. I will personally ensure that you receive a prompt resolution to this matter.
  Please expect a call from us within the next day to discuss this further. 
  Thank you for your patience and understanding.
  Best regards,
  *************************
  General Manager

   

• Initial Complaint

  04/26/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Have been trying to call and get ahold of someone but no one returns my calls and I can’t even get ahold of some one I just need to speak to someone.

  Business response

  07/30/2024

  Dear *********************,

   

  It looks like we have had multiple conversations in working with you to make the payments. We would love to set you up on auto pay to help make it easier for you.

   

   

  Thank you,

   

   

   

   

   

  	************ General Manager
  	office:************** mobile:************** email:****@beenjerkedaround.com
  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify us immediately and delete the message from your system.

  
  

• Initial Complaint

  04/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been paying my car payment every payday. In January I notified APG that I had to change my payments because I started a new job. They required me to send in my paystubs so I did on February 8 they are just now changing my due dates, which only made me behind $67. well last night They came and repossessed the car last night. When I told the guy that I could get $150 while I was in the house he loaded the car up on the truck. Now today they are requiring me to pay a $300 prepossessed fee, on $67. now mind you on every payment I had to pay a late fee on every payment. All I want is my car back and for them to quit charging me for their lack of follow through.

  Business response

  07/30/2024

  Dear *************************,

   

  It looks like we were able to get you the car back. The repossession fee is sitting in other charges, I see that we will need to be doing a due date changes as you are retiring shortly. Let us know and we can get you switched over to the right payment schedule moving forward.

   

  Thank you,

  **** ********

• Initial Complaint

  04/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Per the lease contract I signed with company, I would owe $17,429.84 at end of lease. I made a payment on 3/21/2024 for 268.28, which on receipt showed balance remaining including residual amount for payoff of $6930.40. On March 23, 2024 I traded the vehicle into a different dealership and provided payoff amount to them. The dealership along with myself tried contacting company, leaving several messages requesting call back to confirm payoff amount, none of which was received. Now on April 12, and again on April 15 I was informed the amount for payoff is $7988.61. I should not be responsible for amount as APG financial did not answer phone calls, nor return phone calls as requested.

  Business response

  07/30/2024

  Dear ***** *************,

   

   

  Congrats on getting a new car, as far as the payoff the amount is what it is and looks like we where able to negate with the other dealer and get you account closed and paid in full.

   

   

  Thank you,

   

  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify us immediately and delete the message from your system.

  	JohnK******* General Manager
  	office:###-###-#### mobile:###-###-#### email:*************************

  
  

• Initial Complaint

  01/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I filed bankruptcy July 2023 and was discharged Nov 2023, APG came and picked up the vehicle In Dec after I made repeated calls for then to come and pick up vehicle. APG coded it as a repossession to Transunion, but it was included in my bankruptcy. Equifax and Experian recoded via dispute because they can see it was included in my bankruptcy but Transunion refuses because APG will not change the coding with all the info they have on file.

  Business response

  07/30/2024

  Dear *********************,

   

  Your account has been coded for the discharged through the chapter 7 BK. It will update next month when we report to the credit bureaus.

   

   

  Thank you,

   

  	************ General Manager
  	office:************** mobile:************** email:****@beenjerkedaround.com
  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify us immediately and delete the message from your system.

  
  

• Initial Complaint

  09/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unresolved

  More info

  Seven years ago I purchased the vehicle from new deal used cars in Ogden Utah. They went out of bussiness and transferred my loan to apg financial. I was unaware as I paid the vehicle off through New Deal but never got the title. Apg claims to have no records of selling me the vehicle. The dmv told me to get a letter of non interest signed. Apg won't sign anything or send me a letter of non interest. So I am stuck with them on my title because they lost their records. The dmv said I'm stuck without it. I have called 3+ times every week for 2 months. If I get them to answer the phone it's the same story. " we have submitted a request for the letter." I don't know what to do.

  Business response

  09/26/2023

  ****** *******,

   

  Please send the letter to ********************** or *********************** and we will help you get the title to the vehicle.

   

   

  thank you,

  John K*******

  Customer response

  09/29/2023

  
  Complaint: ********
  
  I am rejecting this response because: the two people they told me to forward the letter to are two of the people I have been dealing with the whole time. Vicky has sent a letter requesting the lien release and is who I have talked to several times with no resolution. Each time I'm told that the finance department  hasn't got to it and to call back later. 

  This is exactly what has been happening the whole time. All I need is a letter of non interest. 
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  04/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company is who I loan my car through and they are the HARDEST company to work with. I agreed to pay $16000 for the car and after 2 years of paying off at 3 year lease, now I somehow STILL OWE 10 GRAND????? this company is a bunch of scam artists running with the same scam of a company called markosian auto

  Business response

  07/30/2024

  Dear *********************,

   

  The lease portion you would pay is $16,698 then if you wanted to keep the car you have the residual which is $3,459. After 2 years you probable stilled owed $5,500 on the lease plus the residual and taxes on the residual. It could be close to the 10 grand. We do short term leasing as most our customers want to upgrade every 3 years to 4 years. Looks like you are wanting to do that a little earlier than most our customers.

   

  Thank you,

   

   

  	************ General Manager
  	office:************** mobile:************** email:****@beenjerkedaround.com
  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify us immediately and delete the message from your system.

  
  

• Initial Complaint

  04/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I make my payments ontime and have since I leased my car in June 2022.I have even paid a payment in advance. My credit report does not reflect correct information. It shows no data for Nov and Dec 2022 as well as Jan 2023. Because of thisthe balance is showing higher than it actually is. I called APG in February and they said that it would take a month to fix. I called them again today and was told that my balance is $3000 more than what I lease it for. The people there aren't professional if they answer their phones and getting a call back from them is impossible. I need my credit reports updated to reflect accurate information.

  Business response

  07/30/2024

  Dear *********************************,

   

  We have reviewed your account and see where the software has sent the data over to the bureaus the beginning of each month. We would be happy to send you a payoff request to compare it to your credit file. Also the credit will not include the residual value of your Mazda.

   

   

  Thank you,

   

  	************ General Manager
  	office:************** mobile:************** email:****@beenjerkedaround.com
  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify us immediately and delete the message from your system.

  
  

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