ComplaintsforTop Luxury Enterprises

• Initial Complaint

  08/15/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I called to purchase a used vehicle..I was told for the vehicle I wanted I had to put 3500 down and they would in house finance the remainder..This month I asked to be a couple weeks late on my payment and on the 14th I would make my payment along with the late fee..He decided Sunday while I was sleep to come and take the vehicle off my premises..Now he saying he can reposess after 10 days late because it is rent to own but no where in my paperwork does it say rent to own..My paperwork lists me as the "buyer" and has that the vehicle was financed..also in the paperwork I signed, it says they can reposess after 60 days late..

  Business response

  08/21/2024

  Ms. ***** ***** began her contract with Top Luxury Enterprises LLC on February 22nd, 2024. The Bill of Sale for the vehicle is included in the attachments. All payments for her contract are due on the 22nd of each month. Part of the contract generated for our company are two documents, a Repossession Agreement and an Insurance Agreement. As a company courtesy, we offer a $50 late fee for any payments made between the due date and ten days after the due date. If no payment, whether partial or in full, is received after the tenth day, we usually begin the repossession process. Ms. ***** has worked with us with this agreement before as we have always allowed her to pay late. The exchange is shown through messages in the attachments. The payment history with due dates and the dates they were paid are attached as well. Her most recent payment was due on July 22nd, 2024. Ms. ***** inquired if she could make her July 22nd scheduled payment on August 14th and she was advised by our staff that she could not make a payment 23 days late after disagreeing to pay late fees previously. Ms. ***** was unhappy with our decision, but we still did not repossess the vehicle until it was determined that her vehicle insurance policy had been cancelled since July 13th and the vehicle was being driven without her insurance coverage.

  Customer response

  08/21/2024

  
  Complaint: 22144882
  
  I am rejecting this response because: Upon reading the whole contract that was signed, it is stated that after 10 days being late there will be a 5% charge or 10 dollars, whichever is greater..It also states that after missing 2 consecutive monthly payments or being 60 days late, it will be reposessed..Mr ****** told me in February that I had to put 3500 down on the truck and that he would in house finance the remainder..All of his advertising states the same statement...Now months later Mr ****** is saying the vehicle is rent to own and thats why he can reposess after 10 days..He also states I didn't have insurance..But full coverage on the vehicle was almost 300 a month..Due to the truck being broke and also to the fact the paper plate expired in April and Mr ****** never applied for my registration and license plate through the state, I was unable to use the truck..The truck had been parked for a couple months because before I purchased it, someone glued the breather and it's parts together and after having it a few months, it came apart and the truck did not have power as it should have..Mr ****** states I was late other months, but this was my first month being over 10 days late..In May I asked to make a payment of 300 dollars and then pay the other 105 on June 5th with the 50 dollar late fee since some of my payment was over 10 days late..My June payment was due on the 22nd which made my 10 day grace period before being late July 2nd..I asked the secretary to have until the 3rd and I would make my full payment plus the 50 dollar late fee since I was going to be 11 days late..She stated ahe couldn't give me until the 3rd and that after the 2nd they would repossess the vehicle..Because July 4th was a holiday, I ended up getting paid on the 2nd so I paid the 405 that day..In July, I asked the secretary could she give me until the 14th of August which would make me 12 days late and that I would also pay the 50 dollar late fee..The only reason I was so late this month making my payment is because I had to get the things for my kids to start school..she stated she couldn't allow me to be late because I did not pay the late fee in July..I told her I did not pay it because I made my payment on the 2nd so I was not over 10 days late..She said I am late after 1 day but the contract states otherwise..After that I didn't hear back from her..The following week ****** texted me to bring the vehicle back..I texted him back and told him i let his secretary know I would be paying late this month and that I would pay the late fee..He told me he was not going back and forth with me that I needed to bring his truck back.The contract states 60 days, not 10..When I purchased the vehicle the agreement was a 30 month contract because I told Mr ****** I was already paying on 2 other vehicles every month..He messed the paperwork up and forgot to deduct my down payment from the price and he financed the wrong amount..I called him the next day because I looked over my paperwork that night to see why my note was 400 a month for 30 months because that seemed kind of high..He told me he would fix it and all I needed to do was meet with his secretary to resign..When i went in to resign, he had the paperwork ready and had the contract for 12 months instead of 30 which left me still paying 400 a month even after we agreed on 30 months so that my note wouldn't be that high and I would have problems paying if something went wrong..Mr ****** stated my note was not going to change and that I just needed to pay on time..So I dont agree with his response because every since the month I made my first payment Mr ****** has been threatening repossession because of things that were not stated in the contract that we signed..
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  07/09/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This dealership won't give me my car. Stating that I didn't pay march 29th-april 11th. Called bank to confirm because I never received any monies back into my account. They're stating I rejected the payment but bank confirmed he received the monies and processed, or authorized the payments. I file a complaint with the used car commissioner and he was fixing my car but received the letter before I picked the car and sent me a text with the letter of complaint I filed and has been treating me unfairly and is holding my car, which I've made payments on. At this point I don't trust the car being in his possession even if I'm liable to get it back because he's been very malicious toward me. I would like a full refund if possible and he can keep the car that I've been paying on. My bank is also filing a complaint because he did receive those funds and processed them but saying otherwise

  Business response

  07/18/2024

  Good Morning,
  
  To whom it may concern,
  
  On June 22nd, 2024, we were informed that Ms. ****** ****** made a chargeback claim from an older car note payment and the bank notified us. We advised her that she must pay the $300 she charged back and she denied submitting the claim. Her balance was considered negative and the car was placed into repossession status. I advised her that she, or someone who has access to her bank account, had indeed filed a chargeback claim against one of her car note payments and the funds were removed from our merchant account. The $300 transaction in question was from a card ending in 9702, the same card she uses for several payments to her account with us and the funds were returned to the card on June 25th, 2024. We advised her that her chargeback balance must be paid in order for her to recover the vehicle. She signed an Insurance Agreement that required her to have insurance on the vehicle. Her old policy had expired. Her new insurance company started and removed the coverage on June 20th, 2024 after she sent the information to us. We are the lienholder on her insurance policy, therefore her insurance company sent us a notice that her coverage was cancelled with the specific reason stating "RESCINDED FOR RETURNED BANK ITEM."
  Thank you for your time and best regards,
  
  Top Luxury Enterprises LLC

  Customer response

  07/19/2024

  
  Complaint: 21957652
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ******

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