Complaint Review: Reliable Credit Association

In August of 2012 we had purchased a vehicle from a small car lot who used Reliable Credit for people who were trying to rebuild their credit. The vehicle total prices was under $8,000.00 at time of purchase. We put a downpayment of $2,500.00 and were to make payments of $263 and change. The nightmare began the very next month when I went to make my payment online. That was a Joke! Their website was not even equipped to take online payments, though I was told it was doable. LIE! After 7 days and a $10 online service fee, my payment was finally made. A few short months later, my husbands job was not producing and his income had dropped so our payments were made a few days late as my pay days fell that way from our payment due dates. That is when the harrassing phone calls started, non-stop! And if you didn't answer the phone the first time, they left an automated message, and called the next number on your reference list. 

A year later, and 10 months worth of dealing with the wretched people, while also making larger than required payments! We moved to Florida. Due to our move our finances were tight, I started a new job with an Attorneys office where I am currently employed, and my husband had lost his job. I had made payments as best I could at that time but we had fallen behind during the beginning months of this year. In the beginning of June, 2014 my husband and I were finally able to catch up. We paid $1,050.00 in a matter of 6 weeks to these people completely catching our payments up to date and only owing for July. On top of constant, and harrassing phone calls at my work from these people!

This past Monday, August 11, 2014 our vehicle was towed from my work parking lot. When we called. They told my husband they had not received a payment since May. LIE! I obtained the copies from my bank of the checks for our payments that were processed through their bank proving the payments were made. The checks were dated May 31, June 5, and June 20, 2014. When they were provided these copies, Sean had No Response.

While proving there were payments made through June, I also kept a copy of the check I had mailed to them on August 2, in the amount of $300. which to this day has not been processed. Which tells me they have that check sitting on their desk! After 5 phone calls, my husband was finally able to get a payment history faxed to him from Matt. After going over this payment history we discovered they had charged us 33 Late Fees over a course of 23 months. Please explain to me how that works out? I'm not a math wiz, but I do know there are only 24 months in 2 years! NOT 33!!! While Matt is telling my husband, we are behind $384 which is the reason for the reposession. There is the $300 payment that is in limbo, so basically we owed a total of $84 to these people! YES, $84! After going over the report they sent us, we noticed that there is a part that says "credit owed" (to us) So tachnically, we were NOT behind at all! Yet the still towed our vehicle. After non-stop phone calls trying to get a hold of these people to find out our options in getting our vehicle back, because at this point we nearly had it paid off so starting over was not an option! We finally reached Sean again, who told us the only way we can get our truck back was to pay it off. Which totalled almost $4,000.00 including repo fees. Ok, so we made arrangements and told them they would have payoff the next day (Today) by 11 am their time, as soon as they received funds, we would be calling them for the whereabouts of our vehicle. They had no response again, just "Uh's and Um's" Obviously, they ASSUMED we were not capable of paying our vehicle off! After and entire day of phone tag, phone calls, nasty attitudes and smart remarks from Sean and Matt, we finally have our vehicle paid off and sitting in our driveway. Including and additional $120 in storage fees we had to pay, on top of getting a ride 45 minutes away from where to live to pick it up.

These people are liars, they told my husband I told them things I did not and vice versa. All in which, are lies. They harrassed my family for our contact information claiming they did not know where we worked, or lived, or had phone numbers. All lies considering they called my work non-stop, my cell phone, drove past our home numerous times, and found the truck at my work! Hmmm ?? These people are robbers of the poor, and thieves! We financed a vehicle for under $8,000. and paid WELL over that amount just to get it back.

Do NOT under any circumstances use these people for any type of loan! Whether you have bad credit like we did and are trying to build your credit, or just trying to start out with your credit. These people claim they "Deliver services with a smile, with professionalism, and in a manner consistent with how they themselves wish to be treated" but if ever walk into their office on Eagle Rd., the level of "professionalism" you are greeted with at the door is less than that in which you would receive from a teenaged counter clerk at a fast food restaurant!

There is much more detailed information to our story, but you get the gist I think. Dont Use This Company!!!!

Beth H

Jimmy H