Complaintsfor1 Stop Money Centers LLC

• Initial Complaint

  09/23/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I contracted a loans with this company years ago and have used their service periodically over the years, I have been fortunate enough to never have a problem with payments. I contracted Covid 19 recently for the second time in a short time span. I was sick and not working many hours casuing my bills to get behind. Due to lasting side effects from the illness, I have a hard time comprehending things. I called to request an arraigment for my September 8th payment. The person i spoke with set it up for me to pay approx. $50 and then split the rest over the next few bills. I was not able to make the next payment due September 22nd so I called to get help and ask questions. I spoke with someone at the store who transferred to ******* who I now know as the assistant manager for the corporate office. I asked her what happens if I can't make my payment. I asked what will happen. ******* said we will continue the collection process I asked her what that meant because she was very short with me and had a tone of rudeness from the beginning of our converstion. She said we will continue to call you. She repeated the same words as I continued to try to ask her what happens next. She abuptly asked if I needed anything else which told me she was tired of speaking with me so i hung up. Less than 24 hours later she had my vehicle towed and is demanding I pay my loan in full plus fees by 10/6/2022. This was malicous, ******* and 1 stop have predatory business practices. She said my car would be auctioned if I can't pay. I would like my recorded calls reviewed. The proof of the predatory way they do business is evident in the series of calls from yesterday 9/22/22 and today 9/23/22. My payment was due less than 24 hours ago and they have already towed my vehicle and are requesting full payment. No one asked me why i needed more time then ******* said if she knew I had Covid 19 she could have done something but she was so rude to me it never came up.

  Business response

  10/01/2022

  1 Stop has reached out to **************** directly and have reached a resolution that works for both parties. 

• Initial Complaint

  07/14/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received a Title loan from One Stop Auto in December. They took out payments for 3 months, then they stopped. When speaking to them, they said my card information is incorrect. Yet its the SAME exact information as the card they took payments out of for 3 months. They refused to contact me at both numbers I listed to contact me regarding the card situation and payments not going through. - they stated they called my cell phone number ONLY but yet I only have one voicemail from them recently. I spoke to their collections manager, as they came to pick up the car- due to being behind on payments. I had no idea they were not taking payments out. The manager refused to let me catch up on the payments today and retrieve my car, and is stating I need to pay the FULL balance off. She refuses to admit that they made an error in not contacting me on BOTH numbers I provided to them, and refused to take accountability for their error on my card information that has not changed in 2 years. I specifically asked if I could pay the past due balance to catch up, and retrieve my car and she is refusing stating I have to pay the FULL balance of the loan. When they refuse to have proper communication skills, and proper accounting of my card. All I want is to pay off the past due balance and continue the loan and get my car back. This is unfair that their poor communication got to this point at my expense.

  Business response

  07/15/2022

  Hello. We are responding to the complaint submitted by ***** ***** on 7/14/2022. We have thoroughly reviewed the borrower’s file and have determined that our team here at 1 Stop took every necessary step to contact Ms. ***** before repossessing her vehicle.
  The application completed by the borrower provided 2 phone numbers. 1 number listed as both her home phone number and cell, and a separate work number. We attempted to contact the borrower at the personal number a total of 53 times throughout the length of the loan at the number provided (See attached call log). This is the same number she listed as her best point of contact on this complaint. Several voicemails recorded – with a few attempts unsuccessful due to a full mailbox. We called her employer 1 time as legally allowed and left a message with an employee who Ms. ***** later identified as her direct report.
  In an additional attempt to contact the borrower a Final Notice Before Suit letter was sent to the address on file. The letter was sent on 6/10/2022 and is attached for reference.
  As of today, a total of 10 bi-weekly payments are past due. Of the 5 payments the borrower made previously, only 1 payment was made on time.
  Due to the borrower’s payment/communication history, and aligning with company policy, we are requesting the borrower pay her loan in full.
  If further there are further concerns, please do not hesitate to contact us directly at ************.

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