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:11/27/2024

  Type:Service or Repair 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.

  They repossessed my car unexpectedly, with no notice, on Sunday morning. I have called daily trying to find out where my car is located as there are personal items I need to obtain from my car such as money, ID, medications, and work badge. They continue to refuse to work with my on getting my personal belongings. Will not return my calls. When I finally do get ahold of someone they say they dont know where the car is.

  

  Business Response

  Date: 12/02/2024

  Response:
  Creative Finance, Inc.
  

  Review ID: ********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this customer complaint.
  

  As the Guest stated, the vehicle was recovered via Self Help on November 25, 2024.  The right to cure notice was mailed to the Guest on June 4, 2024, therefore, the vehicle was at risk of repossession as of June 20, 2024.  According to our records, the Guest did call in on November 25th and the 26th and discussed picking up any personal items that were left in the vehicle.  At that time, she was informed that our recovery team at our secure lot in ********* Dells would reach out to her to schedule the time to pick up any personal items when the vehicle arrives at that lot.  This is our standing procedure that we follow with all of our Guests who are in a similar situation.  We do utilize third parties to recover the vehicles which can cause a delay on the arrival of the vehicle and in this case, the vehicle being recovered around Thanksgiving was an issue as well.  As of the date of this response,the vehicle is currently scheduled to arrive at our *************** location on December 2, 2024.  Upon arrival, the recovery team will contact the Guest to arrange for the collection of any personal items left in the vehicle. 
  
  Upon review, we found that both Federal and Wisconsin law and best business practices were followed.
  
  Respectfully,

  
  *********** M. ****
  Creative Finance, Inc.
  Chief Legal Officer
  **********************************************************
  ***************, *******;53965

• Initial Complaint

  Date:08/29/2024

  Type:Service or Repair 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 bought a car from them, they took it back and sued me. It's been paid in full since 2022 yet on my transunion credit report it shows I need to pay almost $800 it has been affecting my credit long enough. They need to take it off my reports asap.

  

  Business Response

  Date: 09/03/2024

  Response:
  

  Creative Finance, Inc.
  Review ID: ********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this customer complaint.  We will refer to *************** as our Guest. The Guest purchased a vehicle from ******************** on May 7, 2018.  According to our records the account was paid in full on September 16, 2022 and the account was closed on September 20,2022.  At that time, we changed your account to do not report on our system and have no record of reporting this account to any credit bureau since that time.  To be clear, we would have reported that the account was paid in full for the September 2022 reporting period.
  
  However, if you have supporting documentation reflecting any reporting on your account, I would ask that you provide that to us and if there is in fact credit reporting we will work with Transunion to correct errors, if any.
  
  It appears that the screenshot you have submitted reflects the full satisfaction in October ****************************************************************** December 2020. 
  
   Upon review, we found that both Federal and Wisconsin law and best business practices were followed.
  
  Respectfully,
  **********************************
  Creative Finance,Inc.
  Chief Legal Officer
  **********************
  **********
  ***************,*******; 53965

  Customer Answer

  Date: 09/03/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Here is my print out proving it is still on my transunion credit report. In case creative finance needed, my banker has highlighted it for them.
  
  Regards,
  
  *************************

  

  Business Response

  Date: 09/04/2024

  The date of the report the Guest attached shows credit reporting from August of 2022, which would be accurately reflected.  We would not have shown the account as paid in full until September of 2022.

  Respectfully,

  *******************************

  Chief Legal Officer

  Creative Finance, Inc.

• Initial Complaint

  Date:05/28/2024

  Type:Service or Repair 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.

  Earlier this year or late last year Ive financed a vehicle through *************** I pay $245 every 2 weeks plus insurance through the dealership $64 every 2 weeks . On April 23rd i paid over $600 for note and insurance. My new pay date wasnt until the following week as well . My car was stolen from me while i was at work and i called and got a police report filed and told my dealership what was going on . The police finally got the car and it was messed up with the engine and cords sticking out , the back driver window broke . ******** towing told me and the police that my insurance will come and tow it and pay for it to get out to get serviced . I contacted my insurance to let them know about the vehicle not being picked up by my insurance company . *** talked to my insurance and told them it was approved to go get the vehicle so i went and signed it off to them on 4/29 . I called my insurance to see why it wasnt picked up and they told me i didnt give permission. The insurance claim employee hangs up in my face and didnt want to help me anymore . *** contacted the chief and he said she didnt have to help me if she didnt want too . So i called and exchanged a few words about her and they told me that they are not going to service me and i have to pay all the fees they were going to pay for me to service my vehicle . My car is still at the tow shop for $830 plus from fees . This is unacceptable to refuse me of service that i pay for and didnt get my car fixed and it was stolen from me . This is very unacceptable and unprofessional to do to a customer whos been paying and needs service . So no they say they are going to repo and charge me $988 to tow it to them . How can a company deny you service with payment already paid ? They are doing this to a lot of people and only want cash for service transactions. They wont give me my contract at all either and told me to speak to a legal team . They are corrupted and need to be shut down .

  

  Business Response

  Date: 05/29/2024

  Response:
  Creative Finance, Inc.
  Complaint ID: ********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.
  

  It is unfortunate that your vehicle was stolen and was also damaged in the process.  I believe the complaint stems from service by the two companies that Creative Finance has no control of.  If you believe that somehow, we can be of assistance, please do call our legal department at ************. 
  
  Upon review, we found that both Federal and Wisconsin law and best business practices were followed. 
  

  Respectfully,
  

  **********************************
  Chief Legal Officer
  **********************
  PO Box 454
  ***************, *******;53965

  Customer Answer

  Date: 06/03/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  The company told me they were going to pay for the car to get towed and go to service if i signed it over to let them get the vehicle . After both of there employees disrespected me and i reached out back to them to let them know and they treated me like s*** and i was frustrated and overwhelmed about not having a car that Ive been paying on on time that they as my insurance told me they are not going to help me leaving me in a hole . I left an unpleasant voicemail from ******* hanging up in my face and the chief ***** stating they are not going ti service me no more and all charges on me . I got my car stolen and then the manager from the tow company tried to help me as much as possible because the insurance told her they were going to pay as well and had me sign the car over for them to pick up on April 29th 2024 . They didnt pick up the car at all and now its over $1k and they want me to pay that and pay my carnote plus insurance, and pay the tow from ******* wi to Wisconsin dells and the deductible. Thats too much money when all they had to do was pick it up and service my vehicle. This is not how you treat customers who pays and was being respectful before they disrespected me multiple times . Im stressed now trying to get a new car and thats a new loan . They are not willing to help and are not nice to any of there customers and this is not the first time they have done people like this with there company . 
  Regards,
  
  *************************

  

  Business Response

  Date: 06/03/2024

  Response:
  Creative Finance, Inc.
  

  Complaint ID: ********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.
  

  Initially the insurance department had offered to pick up the vehicle from where it was towed as a courtesy to the Guest until the insurance adjustor came out to examine the vehicle.  The Guest was supposed to confirm with us after she had picked up her personal items from the vehicle.  She never contacted us about the personal items and instead left a threatening voicemail to our insurance department personnel, which was recorded.  At that point, we let the guest know that we would not be picking up the vehicle as a courtesy due to her conduct and that she would be responsible for the towing and storage fees with the third-party repossession company and have the vehicle moved to a service center.  The Guest has refused to pay and informed me today that she would not pay to have the vehicle moved to a service center.  To be clear, the **************** coverage does not pay for the towing and storage fees.
  
  Upon review, we found that both Federal and Wisconsin law and best business practices were followed. 
  

  Respectfully,
  

  **********************************
  Chief Legal Officer
  **********************
  PO Box 454
  Wisconsin Dells, *******;53965

  Customer Answer

  Date: 06/04/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  I think at this point we need the tow company manager to confirm that i did In fact talk to creative finance before coming to the tow yard to sign the car over to them to take it . I talked on the phone with ******* and she stated i would have to give permission that they can grab my car to take it to be looked at my the claims adjuster so they can get an estimate. I gave her confirmation to get the vehicle and told her after the phone call i was going to get my things and they can get the vehicle. She told me okay and i went and signed it off to them , the tow manager told me that they were going to come and get it but needed me to sign and get my belongings which i did . I called back and asked ******* why didnt they get my vehicle and she said i never confirmed which i did on 4/29/2024. I think you should ask them for all the records of me calling and the calls to listen . She argued with me and hung up in my face and i did not yell or curse her out . I called again and no answer and i emailed ***** and told him and he told me she did not have to help me and that she was being nice . I have witness to all these altercations as well . I dont why she would do that and be so rude to me first for no reason . I sent the voicemail after ******* and ***** both disrespected me and then told me they are not going to service me no more when i paid for service . I got My car stolen and needed help and they treated me like i was nothing and are very rude . Is this how a company treats there customers and oh this isnt the first time they deny service to their customers when they get upset or dont want to do their job . Its wrong that i still dont have a vehicle. All i wanted was my car fixed so i can make my money for my bills and carnote . I agree I was mad when i sent The voicemail, nobody reached out to me about my vehicle and they dont and didnt care at all about my situation that was not my fault . I paid $628 days before and you telling me you cant help me with anything as my service and car dealership? Something has to give and this is not how a business is treating customers. Dont let them lie to you , they disrespect me first and didnt care how they treated me then i retaliate after they did that to me . I did disrespect her over the phone when we talked and she hung up on me and wouldnt work with me when she is the only worker for that department so why not get me another worker to get my car for me and finish the process as stated they were before the miscommunication between ******* and I. 
  Regards,
  
  *************************

  

  Business Response

  Date: 06/04/2024

  Response:
  Creative Finance, Inc.
  Complaint ID: ********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.
  

  As I have stated previously, initially the insurance department had offered to pick up the vehicle from where it was towed as a courtesy to the Guest until the insurance adjustor came out to examine the vehicle.  The Guest was supposed to confirm with us after she had picked up her personal items from the vehicle.  She never contacted us about the personal items and instead left a threatening voicemail to our insurance department personnel.  At that point, we let the guest know that we would not be picking up the vehicle as a courtesy due to her conduct and that she would be responsible for the towing and storage fees with the third-party repossession company and have the vehicle moved to a service center.  The Guest has refused to pay and informed me yesterday that she would not pay to have the vehicle moved to a service center.  ******************** does not pay for the towing and storage fees.
  
  Until the Guest pays the amount due and owing to Schmidts Towing, we will not be able to pick up the vehicle for service.  Additionally, we do not allow our employees to take abuse and/or threats like the one we received from this Guest.  If the Guest wants to work with us on the steps needed to service her vehicle, we are willing to do that.
  
  Upon review, we found that both Federal and Wisconsin law and best business practices were followed. 
  

  Respectfully,
  

  **********************************
  Chief Legal Officer
  **********************
  PO Box 454
  ***************, *******;53965

  Customer Answer

  Date: 06/04/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  The job needs to be done like it was supposed too as well . This going back and fourth is not helping either . The job needs to be done like you were supposed to do . 
  Regards , 
  
  *************************

• Initial Complaint

  Date:11/22/2023

  Type:Billing 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 have a loan through ************** They for some reason made my mom the initial payer on the account instead of me. I have now come to realize the vehicle is a lemon. I want to stop payments on it. But it would s**** up my mom's credit.

  

  Business Response

  Date: 11/22/2023

  Response:
  Creative Finance, Inc.
  Complaint ***********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.
  

  The Guest and his mother purchased the vehicle on March 15, 2022. The Guest has recently called us claiming that his mother should not have been the primary on the account. However, as we explained over the telephone, the debt owed is joint and several.  You are each equally responsible for the entire balance of the loan obligation. Furthermore, you have been driving the vehicle for over 20 months and we have no record of the maintenance for the vehicle over that time period.  We have no prior record of any complaints regarding the condition of the vehicle at issue.  If you do intend to surrender the vehicle that does not absolve you of the remaining loan balance.
  
  Upon review, we found that both Federal, ********* law and best business practices were followed.  We look forward to helping resolve this Guests concerns if he should choose that option and can be reached at **************.
  

  Respectfully,
  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965

  Customer Answer

  Date: 11/22/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  So because I did not have my vehicle repaired by ************* I'm screwed. I would have had them repair it if it was under warranty yet. Since all the issues started occurring after my warranty was up, I instead had them repaired my a mechanic in my town. I have called ************* multiple times to tell them about the issues. But got told my car is no longer under warranty, so I would be charged for the repairs. With that said I went to a mechanic I found that was cheaper than what ************* would charge for the repairs.
  Regards,
  
  ***********************

  

  Business Response

  Date: 11/27/2023

  Response:
  

  Easton ******* ****
  Complaint ***********
  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint once again.
  

  The Guest and his mother purchased the vehicle on March 15, 2022. You have replied that you had mechanical issues with the vehicle after the warranty with ************* had lapsed and this seems to be the case.  Therefore, you had the mechanical issues repaired by someone other than Easton ******* which is certainly your right to do so.  Otherwise we have no further response to your complaint.
  
  Upon review, we found that both Federal, ********* law and best business practices were followed.  We look forward to helping resolve this Guests concerns if he should choose that option and can be reached at **************.
  

  Respectfully,
  

  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965

• Initial Complaint

  Date:10/06/2023

  Type:Service or Repair 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.

  This company seriously needs to be investigated! There is definitely issues with their payment & bookkeeping ******************* With so many complaints of the same nature over YEARS... they prey off people who are in need and continue to do so once locked in. They refuse to let you make your own payments. They make unauthorized payments on whatever card info they have whenever they want. So definitely should not even have people's info. Seems to me after talking to others they even repo care fully paid for. So basically they get your card info and run it however & whenever they choose. Then will repo your vehicle. So they are renting cars not selling them. But the unauthorized payments on peoples accounts and the inability for people to pay their own bills their way... needs to stop.

  

  Business Response

  Date: 10/09/2023

  Response:
  Creative Finance, Inc.
  Complaint ***********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.
  

  The Guest purchased the vehicle on March 1, 2022.  The Guest did sign an automatic recurring payment agreement at that time.  It does look like that recently the credit card info we have on file was being declined which may have led to late payment issues.  The account is current as of today and there is no record of unauthorized payments.  We received a very similar complaint from this guest on September 10, 2023.  To make the record clear, we do specialize in providing vehicle loans to guests who typically have difficulty getting conventional loans.  We do not prey on people and work with our guests to put them on payment plans that work within their budget.  We provide our guests with the option to pay weekly, semi-monthly, bi-weekly and monthly. We sell all our vehicle inventory and do not provide renting or leasing services.
  
  We have been in business for over thirty-five years and strive to be best in class by providing quality vehicles and service for our guests.  Upon review, we found that both Federal,********* law and best business practices were followed.  We look forward to helping resolve this guests concerns if she should choose that option and can be reached at *************.
  

  Respectfully,
  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965

  
  

• Initial Complaint

  Date:09/09/2023

  Type:Sales and Advertising 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.

  Unauthorized credit card payment... multiple payment issues

  

  Business Response

  Date: 09/11/2023

  Response:
  

  Creative Finance, Inc.
  Complaint ***********
  

  To whom it may concern:
  Thank you for the opportunity to respond to this complaint.
  

  The Guest purchased the vehicle on March 1, 2022.  The Guest did sign an automatic recurring payment agreement at that time.  It does look like that recently the credit card info we have on file was being declined which may have led to late payment issues.  The account is current as of today and there is no record of unauthorized payments.
  
  We have been in business for over thirty-five years and strive to be best in class by providing quality vehicles and service for our guests.  Upon review, we found that both Federal and ********* law and best business practices was followed.  We look forward to helping resolve this guests concerns if she should choose that option and can be reached at *************.
  

  Respectfully,
  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965

• Initial Complaint

  Date:08/08/2023

  Type:Billing 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.

  They took 4 payments out in 1 day. Unauthorized no auto payment set up. They said it was not set up and they took 4 payments out. Then the next week, they went and took money out of my wife's account. That has nothing to do with this. She used her car before, and they kept her card on file. And then they charged her account which definitely was no authorization. I did not tell them to take any money out of my account. And now they're telling me that they can do whatever they want to do.

  

  Business Response

  Date: 08/11/2023

  CUSTOMER EXPERIENCE INFORMATION 
  
  Customer Information:
  ***************************
  ****************************************************************  53714
  Daytime Phone: **************
  E-mail: **********************
  
  
  The details of this matter are as follows:
  Complaint Involves:
  Billing or Collection Issues 
  Desired Settlement:
  Refund
  
  Customers Statement of the Problem:
  They took 4 payments out in 1 day. Unauthorized no auto payment set up. They said it was not set up and they took 4 payments out.Then the next week, they went and took money out of my wife's account. That has nothing to do with this. She used her car before, and they kept her card on file. And then they charged her account which definitely was no authorization.I did not tell them to take any money out of my account. And now they're telling me that they can do whatever they want to do.
  

  Response:
  

  Easton Motors,Inc.
  Complaint ***********
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.  The Guest purchased the vehicle on September 16, 2022.  The Guest authorized an individual, ******************************* an authorized individual on the account on April 30, 2023.  The account was past due on July 28, 2023 and payments transactions were completed on the authorized individuals account as to become current.  This was justified as the account is on active ACH and the payments were authorized.  Two of those payments were charged back on August 10, 2023 therefore putting the account back in past due status and remains so as of the date of this response.
  
  We have been in business for over thirty-five years and strive to be best in class by providing quality vehicles for our guests. Upon review, we found that both Federal and ********* law and best business practices was followed.  We look forward to helping resolve this guests concerns if he should choose that option and can be reached at **************.
  

  Respectfully,
  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965

• Initial Complaint

  Date:06/19/2023

  Type:Service or Repair 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 called by a staff memeber for the company. As i have a late payment but am prepared to pay double car payment in 2 weeks as I have been off work on FMLA and just returned to work. I had a serious injury to my ankle. Required surgery. The man on the phone was completely unprofessional, he screamed at me and hung up the phone. Didn't even try to understand, workout something. I feel very offended. It was completely uncalled for.

  

  Business Response

  Date: 06/23/2023

  ************* Response to Complaint 20206750:
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this inquiry.
  

  After reviewing your account and speaking with our customer service team, we simply do not agree with your categorization of the conversation with the ************* staff.  It is certainly not our practice to, in any way, be perceived as unprofessional or to offend the guests we serve.  While we do not admit any fault in this situation, we do sincerely apologize if any part of that conversation was viewed in the way that you stated above.
  

  We are sympathetic to your health and employment situation and wish you the best in both instances.  We also look forward to working with you on bringing your account current and would encourage you to take steps to do so.
  

  Upon review, we found that both Federal and ********* law and best business practices was followed.  We value you as a guest of ours since April 2022 and look forward to helping resolve this guests concerns and encourage her to call us at **************.
  
  Respectfully,
  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965
  ******************************
  Telephone: **************

• Initial Complaint

  Date:06/01/2023

  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.

  I have been going threw creative finance for awhile now for my jeep and I have had nothing but trouble with them I called today to see about what I would owe I was told by tomorrow I'd could just pay 142 and some change because I have a little cushion that I could use with it meaning extra money on my account and be good until the 16th of this month so I get off the phone log into the new automated system they have to make that payment and it says that I owe 715 something so I called back and got a different person that then told me that is what I owe for tomorrow and that its from CPi charges and a full carpayment and this isn't the only time this type of thing has happen when ever I call I am always misdirected and never get straight answers from them and whenever I ask to speak with a manager they tell me there isn't one on duty and they will have them call me tomorrow and that never happens iv call in my payments all the time and ask them what and for what I'm paying on and they tell me everytime CPI and my car payment and today they told me that I haven't been paying my CPI then where is my extra money going this company is committing some type of scam or loan fraudulence I don't know what it is but I have no way out of this contract and all I want to do is make it right and get it current like iv been told many many times that I have some cushion to fall back on if I need it meaning extra money on my account

  

  Business Response

  Date: 06/07/2023

  Easton Motors Response to Complaint 20132990:
  

  To whom it may concern:
  

  Thank you for the opportunity to respond to this complaint.
  

  After reviewing your account we do see that a recent payment of over $700.00 was due to a missing payment, your current payment as well as insurance through ********************** (a/k/a ******************************* CPI), late and NSF fees.  We do appreciate the fact that you did make the required payments and can verify that your account with us is current.  We recently partnered up with a third-party vendor who provides loan payment notices as well as the ability to pay on the account via their telephone.  While some have found this option to be beneficial there have been others who wish to opt out of receiving those notices and would like you to know that you do have that option if that works best for you.
  

  Upon review, we found that both Federal and ********* law and best business practices was followed.  We value you as a guest of ours since February 2022 and look forward to helping resolve this guests concerns and encourage him to call ** at **************.
  
  Respectfully,
  

  **********************************
  Chief Legal Officer
  ****************************************
  PO Box 454
  ***************, ** 53965
  ******************************
  Telephone: **************

• Initial Complaint

  Date:02/25/2023

  Type:Service or Repair 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.

  Creative finance repo my car that was bought with my son,after repo they sold car and said balance was $148 my son paid this. On my credit report it shows 100% paid off but shows balance of $148.00 which is reflected and affecting my credit score. I need this corrected but to date they have done nothing to fix the issue.

  

  Business Response

  Date: 02/27/2023

  Customer Information:
  *******************************
  108 *********************
  ***********, **  54935
  Daytime Phone: ***********
  E-mail: ********************
  
  
  The details of this matter are as follows:
  Complaint Involves:
  Repair Issues 
  
  Customers Statement of the Problem:
  Creative finance repo my car that was bought with my son, after repo they sold car and said balance was $148 my son paid this. On my credit report it shows 100% paid off but shows balance of $148.00 which is reflected and affecting my credit score. I need this corrected but to date they have done nothing to fix the issue.
  
  Response Creative Finance, Inc.
  Claim ID: ********
  

  Thank you for the opportunity to respond to this review.Creative Finance, Inc., specializes in helping individuals and families with poor credit that *** not be able to get a loan through a conventional bank or other dealership.  Creative Finance, Inc. is in receipt of your filing with the BBB on February 25, 2023, in which you ask Creative Finance, Inc. to revisit your account history regarding information provided to the credit bureaus. We are obligated to report information accurately and with integrity.  
  

  The vehicle at issue was purchased on March 21, 2020 and financed through Creative Finance, Inc., (Creative).  The loan payments began becoming late in the winter of 2022.  A Right to Cure was sent the Borrower and Co-Borrower on March 2, 2022.  The Right to Cure expired and Creative possessed the vehicle via self-help on August 2, 2022. The vehicle was sold for $16,095.00 on September 14, 2022 and the sale proceeds were applied to the account ending in 2861-1 leaving a balance due of $148.00.  Our records indicate that there have not been any payments or contact from you or the Co-Borrower since September 2022 and the balance of $148.00 remains due and outstanding.  Our monthly credit reporting on this account is that the account is open with a past due balance of $148.00.  If you have proof of you or the Co-Borrower making the $148.00 payment, we ask that you provide that to us.
  

  Upon review, we found that both ********* law and best business practices were followed and that proper steps were taken in this matter.  In any event, we encourage the guest to reach out to Creative Finance, Inc., ************, and we can answer any remaining questions you *** have. 
  

  Respectfully,
  

  **********************************
  Chief Legal Officer
  815 ******************
  PO Box 454
  ***************, **  53965
  ******************************
  Telephone: *************