Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/12/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a collector car loan with Woodside Credit. After applying, I was verbally quoted for their lowest rate (8.5%) based on my creditworthiness at the term I'd selected. The paperwork received had and APR of 8.8%, not 8.5% as agreed upon and the down payment was now 15%, not 10%. When I asked about the difference, I was told that they added an additional .3% to account for title, taxes and fees and my down payment was different because of the age of the vehicle, never mentioned previously. I asked if I could take care of my titling myself and was told no. After the buyer had been paid and the deal had been finalized and closed. I received an email asking me to sign a notarized POA so Woodside could complete my *** work. I responded that I was away on Military duty and would take care of it in a few weeks when I returned. They said it wasnt an issue. Soon I received an email informing me that their local *** was backed up 6-8wks and was asked to take care of my *** work myself. I agreed and they said that they would send me the title and a refund for the taxes. They originally rolled that $$ into the loan and gave me no option to complete my *** work myself so the amount they sent via check would not reflect the actual amount they charged me to complete the *** work. Its my perception that they are now in violation of the contract that wed agreed upon since they are neither completing the work they agreed to do yet are still charging me to do it. I responded multiple times asking them to correct my loan to reflect the correct interest rate and the correct amount financed since they were no longer completing the *** work. They told me to send everything back and THEY would do the *** work. When I questioned that, all of a sudden, there was no backup and they could do it in 2-3wks. Bait and switch; sell me one service and once my loan is sold, change the deal but still charge me for it without giving me any additional options.

  

  Business Response

  Date: 05/15/2023

  Hi ****************. Rate and APR are two different items, and both are listed on the documents you signed for the loan. APR is a broader measure of a loans cost and fees and other finance charges expressed as a percentage to illustrate the true cost of borrowing. Down payment information is listed on our website on the loan page. The text reads, Down payments vary depending on selling price and age of the vehicle, typically ranging from 10%to 20%. (Vehicles over $300,000 may require a larger down payment.).
  
  On April 24, you let ** know you prefer to do the title work on your own due to backlogs, and we offered to overnight a refund check when completed. Its our understanding you are experiencing delays in getting the vehicle registered. Were happy to get your car registered either way. We left you a voicemail and sent you an email, and would be glad to connect to walk through your documents with you.

   

• Initial Complaint

  Date:04/29/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 23, 2023, I submitted a request to Woodisde Credit to have my title sent to the ** DMV so that I could register my vehicle. Woodside Credit had sold my loan to ****************** back when I originally was given the loan. I've spoke to both Woodside Credit and Commerce West trying to get a status of my request through email and also by phone. The representatives at Commerce West have been very helpful but their hands were tied since Woodside Credit held the title even though the loan was sold to them. A rep at Commerce West was trying to get someone to respond to my request but wasn't able to get a response back. The Commerce West rep was going to escalate the request to her manager so that he may be able to get this request resolved. Yesterday (4/29) I emailed Woodside Credit asking for an update and as of today no reply has been given.

  

  Business Response

  Date: 05/08/2023

  Hi ************************. We apologize for the delays that there have been had in getting you your title so you can transfer your registration to your new state. The title has been coordinated and is being mailed to the address of your local tax collector per request. Our title team has left a voicemail on this status and we will continue to be in touch to ensure your tax collector receives the title. Thank you for your patience and let us know if you have further questions or concerns.  

  Customer Answer

  Date: 05/09/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  Date:04/13/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My complaint is there was an error on the registration and it has not been fixed suspending my registration. It has been 4 months going on 5. I notified them Dec 23rd 2022 and it is now april 13th 2023. I first notified them of error and explained to them that the wrong vin number was used and needed to be corrected and i was assured it would be fixed. I've been doing my best to communicate with them but im either ignored or I get some excuse that they will look into it and notify me but they never do. I sent a strong e-mail of my dissatisfaction of how they have handled and communicated to me about the issue today. They responded with that they have the title from the bank and i just need to send them the mileage to start dmv work. So i sent them the mileage. This issue needs to be fixed and that is why I'm writing this. Enough of the excuses and B.S. Fix the dam problem!!! 4 months and counting is unacceptable!!!

  

  Business Response

  Date: 04/19/2023

  
  Hi ********************. Woodside is never happy when a client is unhappy, and we understand how frustrating it can be when a *** error causes delays. We apologize for that.We continue to work with the *** and you to complete the correction on your title, and action from multiple parties including yourself have been requested. We are continuing to provide insight to the necessary steps and appropriate shipping labels to expedite documentation overnight, including your action item.
  

  Customer Answer

  Date: 04/20/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does in a timely manner, I will consider this complaint resolved; otherwise I will escalate this issue. 
  
  Regards,
  
  *******************************
  
   
  

• Initial Complaint

  Date:10/31/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was denied credit with a credit score 790+ with an income of $386,000 a year, i will be gathering evidence for discrimination lawsuit. My application was done in good faith as federal states. I will be contacting the ************************************ and federal trade commission seen i have now a hard inquiry on my credit report that will be there for two years. There finance manager clearly told me to file suit. he did not know who he was telling to do that. lets see how much this is going cost there business.

  

  Business Response

  Date: 11/04/2022

  Hi ************. Woodside Credit is always unhappy when we cant extend credit, and this case is no exception. Our Credit Manager explained the stipulation of why credit couldnt be extended for your application. An adverse action notice will be mailed to you which includes information on the decisioning,and which credit reporting agency was used. 

• Initial Complaint

  Date:10/26/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The Lender is refusing to provide me with my title number for my home state. The lender's AVP: ***************************** responded with, "At this point all further communication will be with your attorney. We will no longer communicate with you." We are under contractual agreement for the lender to provide this information to me within 4 to 6 weeks currently I have been waiting 3 months to no avail.

• Initial Complaint

  Date:08/17/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am fighting Woodside Credit to process a transfer of plates for a vehicle I purchased and financed through them on August 5th 2022. I requested and was assured the transfer of plates would be done by today August 17th 2022. ***************************** their VP of Titles stated in writing that they would expedite the title and plate transfer. I requested this as I needed the ability to use the vehicle for events between August 18th and 22nd. After numerous emails and frustration. Today ************* effectively told me to jump off the bridge. Stating the title would go through the normal process. I am confident this is in retaliation for my stating I would be consulting my attorney because I feel I am being wronged. They are using a 3rd party vendor called ** Car to complete the transaction, this company is currently running 2 weeks behind to process documents. Without Woodside's request and/or additional pmt to expedite this. I could be without use of my vehicle for ********************************************************************** not. To make matters worse, they have sold the loan to a new lender ***************** in ******. So theres a clear attitude of its not their problem in how they're responding now.

  

  Business Response

  Date: 08/25/2022

  Hi ****************. Woodside Credit has a different perspective on the events that have taken place. Woodside Credit was on the phone with you and your seller as soon as your purchase closed, working to get the title to us as quickly as possible to register your vehicle. You declined a 3-day moving permit during this process, which wouldve allowed you to drive the car for your event. Woodside Credit did not commit to the date of August 17th, and, in fact, you were repeatedly told that Woodside could not commit to that date as we rely on third parties for registration in **, and their turn times are entirely dependent on the speed of the ** DMV. ** Car is a great partner, and you explicitly told us that ** Car would also be your preferred vendor to complete this process. They do great work and were immediately asked to expedite your registration, but our understanding was it wasnt in the way you wanted. Your title and registration were completed on 8/23 and your registration and tags were sent to you via ***** on 8/24. Lastly, to ensure clarity, Woodside Credit does work with partner banks to service your loan, but Woodside Credit remains the lienholder. Woodside Credit is always unhappy when a customer isnt satisfied and continues to ****** strong communication between buyers, sellers, third parties, and our business to ensure a smooth transaction. With 20 years of experience and tens of thousands of customers nationwide, our focus remains on providing top-tier customer service.

  Customer Answer

  Date: 08/25/2022

  The offer from Woodside for a ******* state Temp tag thats good for 3 days was offer to me last week post filing my BBB complaint. I rejected that offer via email because of the concerns surrounding the legality of using a Montana state temp tag in ** for a car that would be titled in **. I was not comfortable with any potential legal issues that could arise if there was a traffic stop or vehicle incident. That being said, the matter is now finally resolved with receipt of the permanent registration and transfer of plates to the newly acquired vehicle. The BBB can close this matter but please note their statement of rejection is not given with proper disclose or context. They left out the dates of the offer along with the reasons given for the rejection. Context matters and its just part of their continued poor practices