Complaints for Ok Carz in Lakeland, FL - 100127490

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
2	Agreed to make an adjustment
0	Refusing to make an adjustment
1	Refuse to adjust, relying on terms of agreement
0	Unanswered

3 complaints against Ok Carz

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9/12/2023

RESPONSE: Agreed to make an adjustment Amount in Dispute: $7,900.00 Amount Settled: $0.00

Customer Complaint

9/1/2023

You will not get another payment from me. Car was traded in last Saturday. Besides overpricing cars that will be left with a deficiency balance. I will be reporting you and ok carz for the deceit. You guys sell cars to people with the false hope of being able to trade in car with no problems within a year and having no deficiencies left. This was all a lie. I would suggest you guys start appraising this collateral with ok carz. Besides mileage carz are rough. I feel like I was taken advantage of due to my situation . You guys can do what you want with that info . Not one of my references or myself will be answering your calls or making any additional payments . Thank god I have been able to part ways with you scammers Resolution Sought Be reimbursed for the deficiency that was promised I would not have to pay.

Company Response

9/6/2023

Thank you for your feedback. We have not received your pay off check yet. Once we receive your pay off your account balance will be zeroed you. I tried to call you however the number we have on file is not in service. Please call us if you have any questions.

Customer Rebuttal

9/8/2023

That’s a lie you have all my updated information. But for some reason you guys are sticking to your story . My information has been current for a year and I received the call from your number and it was a missed call. This is ridiculous The most horrible service ever

Company Final Response

9/11/2023

We have not received your pay off check yet. Once we receive your pay off your account balance will be zeroed you. Please contact the dealership you purchased from and follow up with your pay off.

9/22/2022

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $950.00 Amount Settled: $0.00

Customer Complaint

9/13/2022

Ok Carz illegally took a down payment of $950.00 from me. The financing charge is the total cost of consumer credit expressed in dollars pursuant to 12 C.F.R. 1026.18 H-1 Credit Sale Model Form. The term finance charge refers to the total of all charges, as defined by 15 U.S.C 1605(a). "The finance charge does not include cash comparable ". This is a violation 15 U.S.C. 1640(a) for failing to comply with TILA. If the finance charge is the total of all charges in a dollar amount, there should be no need for a separate cash down payment. Resolution Sought Refund my down payment it's against the truth in lending act.

Company Response

9/14/2022

Ms. Nelson purchased her car with us on 9/25/2020. Ms. Nelson defaulted on her loan in August of 2021, her vehicle was repossessed for nonpayment on 9/15/2021. Ms. Nelson did not have the past due and repo charges to redeem her car. We provide a 10 NOI letter to her and moved forward with selling the car at the auction. The auction proceeds were applied to her account in October of 2021. We sent her a deficiency balance letter after the sale of the car and offered to settle out the account. Ms. Nelson is responsible for the deficiency balance of the loan.

Customer Rebuttal

9/14/2022

" The finance charge does not include cash compareables " pursuant to TILA therefore I demand my down payment back of $950.00 and I will like a copy of the arbitration agreement which your company did not provide nor did your company response back to my notice that I sent I made it clear your company had 14 days to respond with the information I requested and your company failed to do ( Tracking number 9414811898765812359418 ) and your company signed the return receipt as confirmation on August 31st, 2022 at 2:21pm Also I did not receive any of those documents your company allege that I received. Please provide the tracking number to when you sent me the 10 NOI letter, the deficiency balance letter and the offer that your company alleged your company gave me. Also when I purchased the car Midflorida financing, LLC was not licensed Pursuant to Fla. Stat. 520.52(1).MidFlorida obtained a Sales Finance Company license from the Florida Office of Financial Regulation, license number SF9900832, on February 22, 2010 which expired July 1st 2017 and Midflorida didn't obtain another license until November 2021 so it was unlawful & illegal to do business in the first place.

Company Final Response

9/20/2022

“ The finance charge does not include cash compareables “ pursuant to TILA therefore I demand my down payment back of $950.00 and I will like a copy of the arbitration agreement which your company did not provide nor did your company response back to my notice that I sent I made it clear your company had 14 days to respond with the information I requested and your company failed to do ( Tracking number 9414811898765812359418 ) and your company signed the return receipt as confirmation on August 31st, 2022 at 2:21pm Also I did not receive any of those documents your company allege that I received. Please provide the tracking number to when you sent me the 10 NOI letter, the deficiency balance letter and the offer that your company alleged your company gave me. Also when I purchased the car Midflorida financing, LLC was not licensed Pursuant to Fla. Stat. 520.52(1).MidFlorida obtained a Sales Finance Company license from the Florida Office of Financial Regulation, license number SF9900832, on February 22, 2010 which expired July 1st 2017 and Midflorida didn’t obtain another license until November 2021 so it was unlawful & illegal to do business in the first place.

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