Amerifinance Rude and extremely unprofessional Hollywood Florida
This company's employees are extremely rude and disrespectful and don't even offer grace periods or deferments after Hurricane Irma. I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100% again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today's date at about 10:30am because I was a little worried that I would not be unable to pay my next car payment on full and on time.
When I called I was greeted by a Shelley who presented herself as a "recovery manager". I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to "play" around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for FEMA assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was "you see a regular loan has better customer service".
I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the "managers" name I spoke with earlier all she can tell me was Shelley and stated "Report me i don't care, the answer remains the same you need to make your payment."
1 Updates & Rebuttals
FloridaNative
Palm Beach Gardens,Florida,
USA
Why did you finance with them?
#2Consumer Comment
Wed, September 27, 2017
Let me start by saying I don't work for this company or any finance company. I am a regular consumer. However, I have to ask why you chose to finance with this company? Every consumer has many, many companies from which to choose their financing. Going to a subprime lender is going to limit the available loan programs and usually result in a very high interest rate. The finance company really doesn't care if your score is low as their whole business model is to charge an outragious interest rate and collect as much as they can before the vehicle is repossessed.
However, from your post, it looks like you haven't made any payments to this company because you recently purchased it just before the hurricane and you are contemplating a first payment default. There are no lenders that will cooperate - even with hurricane Irma - in a first payment default. That is true with any lender. As to her attitude, subprime lenders train their employees to have a hard line.
If you can refinance to a normal bank or CU, then this is the time to do it. If you can't refi right now, then make your payments on time and in full until you can refi. Don't let them repo the vehicle over a late payment.