Flagship Credit Acceptance
Reviews and Complaints
Do Not do business with these guys
***
Awefull customer service treats customer like they are a collection agency who doesnt know the law
My husband and I purchased a Chevy spark new from a dealer. it ended up financed through flag ship .
the 1st time I called them I had to go through their collection dept. to talk to someone in the finance dept. IT took for ever to get to talk to the loan dept. they kept insisting we had a collection account with them .
we were not notified for two months that our loan was even picked up by them. we were notified after we called them a month after we had purchased the car. we thought we owed a payment in the first month . they informed us we would be receiving a letter from them.
our payment wasn't due until the second month after we purchased the car. After our initial call to them the car was totaled in a accident. we contacted our insurance co who didn't pay the car off until the fourth month of our purchase date. it was paid in full and the insurance co claimed they could not pay off the lender because they had not perfected the title until then.
As soon as flagship proved to the insurance co that they had a perfected title the insurance paid off. Flagship was fully aware that they were being paid in full. in the mean time we had to purchase a new vehicle and the loan was placed with a different lender. in December I pulled a credit report on myself and flagship had reported me to the credit bureau as 120 days delinquent with a balance of 3012.00 owed and that the account had been charged off .
when I called to ask why it was reported this way and how much they had charged off and why did they charge off the account at all when they knew they were being paid in full. they told me they only charged off 2.00 When I asked why I was not contacted about a bal of 2.00 no one could give me an answer. I told them If I would have been contacted then I would have paid the 2.00 to avoid a charge off. when I asked why my account was even charged off as it is not customary to charge off an account that is paid off with a balance of less than 25.00, (that is customary in lending) no one has yet given me an answer.
I hadn't made any payments for 120 days and that they knew nothing about a balance owed of 3012.00. I have made numerous calls to them with no cooperation in this matter and my credit has been seriously damaged by them. they refuse to correct the credit bureau and or make any concessions in the name of customer service. these people are rip off artists and have a collectors mentality .
after months of contacting flagship with the same complaint each time they elevated my complaint to the office of what they call the president . I spoke with a man named Johnathon. He seemed confused and ill informed of my complaint . after I reiterated what had been transpiring between flagship customer service and myself he said he would not do anything to help me he said that he was bond by flagship policies I had told him that my husband had passed away and he said he understood only placating me to make me think he was sympathetic to my problem but continued to refuse to change anything and claiming he didn't have any record of how they were reporting to the bureau or if they even did report the way I was telling him .
When I asked to speak to his boss he adamantly refused telling me he was as far up the line I was going to get .
when i asked the name of the owner of his flagship or the CEO he claimed he didn't know who that person was . I am going to file a complaint with the banking commission and consumer protection.
- I did not like
- Customer service reps and managers rude
- Poor business ethics
Preferred solution: correct the credit bueau to state account paid in full and remove the derogatory reporting that they have recently reported
PREDATORY LENDING
SOLD A WRECK 2016 HYUNDAI ELANTRA FROM A USED CAR LOT WITH IN TWO WEEKS THE CAR RAN HOT THIS IS WHEN I FOUND OUT THE CAR HAD BEEN IN A WRECK. "DIAMOND AUTOMOTIVE" OFF LOOP 410 SAN ANTONIO TEXAS, SOLD ME A WRECK CAR ANDTHEY RAN A CARFAX ON THE CAR WHEN I RETURN TO THE LOT( NO HISTORY CAR BEEN WRECK) WHEN IDROVE OFF THE LOT.
I HAD NO LEGAL FINANCIAL PAPER WORK TO PROVE I CAN AFFORD A $425.79 CAR PAYMENT. DIAMONDS ACCEPTED 500.00 DOLLARS FOR A DOWN PAYMENT ON A 2016 VEHICLE. I AM NOW FIGHTING THE FIANCE COMPANY ABOUT THIS BAD BUISNESS DEAL. I STARTED JULY OF 2016 WITH THESE LENDERS, NOTHING HAS BEEN RIGHT SINCE I STARTED MAKING PAYMENTS WITH FLAGSHIP, THEY WOULD NOT LET ME REFIANCE THE VEHICLE AND NOW THAT I REPORTED THE CAR STOLEN TO THEM THEY DONOT EVEN CALL FOR THE PAYMENT OF 425.79.
WHEN I DID SPEAK WITH THEM THEY SAID " YOU SIGNED YOUR NAME ON THE CONTRACT" BUT I EXPLAIN TO THEM THAT THIS IS CALLED PREDATORY LENDING UNFAIR, DECEPTIVE FRAUDULENT PRACTICES IMPOSING UNFAIR AND ABUSIVE LOAN TERMS ON BORROWERS. I WANT THIS COMPANY SHUT DOWN THEY HAVE RUINED CONSUMERS CREDIT SCORE AND PRACTICE FRAUDULENT BUSINESS LOANS.
MY CREDIT SCORE WAS GOOD UNTIL I WENT THROUGH THIS COMPANY. FDIC NEEDS TO SHUT THEM DOWN!!!!
- Making it difficult to make payments
- Customer service reps and managers rude
- Have a unprofessional customer sevice department
Preferred solution: Full refund
Paying off my account
Its been a month trying to pay off this account have sent two checks and they talking about they cant find them terrible people.had to do a stop payment on one of them...keep going up everyday they cant find the check... Do not use them
They put words in my mouth
The Worse company ever!!!!!
A rip of company Flagship
The customer service is rude they charge high interest rate on the loan there middle man Diamond Auto, sale cars to people without showing proof of income just take your word for it and the car lot check car fax and the car history does not show vehicle has been wreck. This company is into Predatory Lending, I have had a bad experience with them.
DO NOT FIANCE ANYTHING WITH THIS COMPANY!!!! The car is not worth 19 thousand dollars it had been wrecked and they sold over the blue book value on a use car. I have been rip off they did not do business right and the car is not worth 19 thousand dollars.
it was a use car it was not brought from a new dealer ship. if there is away to clear this matter I would like the help this company is a rip off to consumers.
- There customer service
Preferred solution: Full refund
Flagship credit no service
CUSTOMER SERVICE ISSUES
From the date of approval and purchase of my new car, I received a call within a few days to finalize information and that was fine. Over the next 30 days I received 3 calls per day, during work hours and each day a message saying " Welcome to flagship" call us back with any questions on your new loan.
Well I had no questions so I am not calling back. Finally they called and I had time and I answered. "Hi welcome", gave me information I received in the 10 mailings they sent me over 30 days. I asked them not to call me again about this.
3 more times and the call finally stopped. I made my first payment on my due date through western union from their website and set up bi monthly payments. The next day at 8:30 am they called again. "where's your first payment" .
I hung up with them - called Capital One and they are now paid off. I got a better interest rate with a much better company. Only reason I went with these characters was because the dealership talked me into their creditor instead of my preapproval from Capital One.
Must get kickbacks. Thanks Fucillos.
- Constent phone calls and mailing
Web site auto pay
Terrible!!
I went from having a 760 credit score to a bottom point in life. I never knew what it was to spend more than 30 minutes in a dealership and then off I went with my brand new car.
I recently traded in my car and purchased my new truck. They never sent me a welcome package and then sent my account to collections after being 10 days delinquent. I called, scrambled to get their payment and the woman was talking over me, strong arming me. She said that this is unacceptable as they paid the dealership $30k and the least I could do is pay the payment.
She was rude and even cussed at mme while talking over me.
They act as though you buying your new car was an inconvenience. Take it from someone who has had several vehicle loans through big name banks, the car is not worth the headache from going through this company!
VIOLATIONS OF FDCPA
I AM LATE WITH CAR NOTE...THIS I KNOW... I WAS LATE LAST MONTH,,HAD ISSUES......THAT HAD TO BE RESOLVED FORCING ME TO BE LATE...
THESE "F" IDIOTS AT FLAGSHIP CALLED YESTERDAY 7 TIMES LEFT 3 MSG. CALLED ME TODAY 6 TIMES LFT 4 MSG.... I CALLED AND WARNED THEM ABOUT THERE ARE COLLECTION PRACTICES ARE A VIOLATION OF THE FDCPA ..SPOKE WITH A SUPERVISOR DAVID RIOS, WHO WANTED PROOF... I HAVE IPHONE I SENT HIM PICS OR ALL THE BACK TO BACK CALLS FROM THERE COMPANY AND SCREENSHOT ALL THE MSG LFT FROM THE,.
THEN DAVID RIOS GAVE ME A WRONG EMAIL ADDY SO I EMAIL THE PRESIDENT AND ANY OTHER EMAIL ADDY I COULD FIND.. THIS IS HARRASSEMENT AND IM LOOKING FOR AN ATTORNEY TO FILE A LAWSUIT AGAINST THEM....
Preferred solution: Let the company propose a solution
Beyond Horrible
AWFUL
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Right, sure! They have nothing to do but call you because you're the perfect customer! The elevator just doesn't reach the top floor gor you sorry deadbeats, does it???