Saturday

Does Your Bank Care When You Get Ripped Off? They Should!

Where Can You Complain About a Car Dealer?
Yesterday we gave you a list of places where you can complain if you end up with a lemon and your dealer won't help you, or if you get ripped off by a car dealer, what some folks call "car sales fraud." Not every dealer is a crook and not every car is a lemon - in fact, most aren't. But if that's what happens to you or what you end up with and you can't get them to take care of your problem, there is another route you can go to get attention to your problem, if you let the dealer set up the loan for you when you bought the vehicle. Your lender.

Why should the bank or finance company care? Because they don't want to be associated with a bad dealer anymore than you do, even though they make thousands of dollars off their relationship with the dealer by letting the dealer set up their loan with you.

More importantly, if the dealer does something wrong, the lender is the one that can also be stuck with the liability to you. That's because when the dealer sets up the financing, federal law requires that there be a small clause in the finance contract that says any holder of the finance contract is liable for the sales problems that the dealer created when they sold you the vehicle.

So your lender, finance company, or bank cares for the same reason that they care about anything - because it can cost them money. So your complaint can matter to them.

Here is a list of the name and contact information for many of the lending institutions who car dealers work with in the Ohio Miami Valley. If  you get ripped off by a car dealer, or you end up with a lemon and a dealer who won't help you out, then you may want to contact the lender and ask them why they do business with that dealer and why they don't care about you as a customer.

Banks and credit unions and finance companies - they need to hear your complaints so they know what car dealers they should stay away from and not do business with, no matter how much money the dealer is offering them.

We are also including below a list of manufacturer contacts so that you can complain directly to the manufacturer about your lemon or about what their licensed dealer did to you too, and you can ask them why they let their dealers cheat people, why they won't take back your lemon, and do they care about what happens to you, their customer, too.

Remember, the squeaky wheel is the one that gets the grease! You want them to read your complaint, care about what happened to you, and do something about it for you! So if you are going to complain, then keep it short, keep it simple, keep it accurate! And don't give up. If they won't help you out and you were ripped off by a car dealer or you ended up with a lemon you can't get rid of, call or email us. We know what to do.

Ally Bank Financial
CEO Barbara Yastine
200 Renaissance Center
Detroit, MI 48265
866.710.4623

Credit Acceptance Corporation CEO Brett A.  Roberts
25505 W.  12 Mile Rd#2300
Southfield, MI 48034
248.353.2700
800.634.1506

Bank of America N.A
CEO Brian T.  Moynihan
100 N.  Tryon St.  Ste.  170
Charlotte, NC 28202
980.335.3561

AmeriCredit Financial
801 Cherry St.  Ste.  3500
Fort Worth, TX 76102
817.302.7000
800.644.2297
817.302.7897 (Fax)

River Valley Credit Union
505 Earl Blvd
Miamisburg OH 45342
937.859.1970
Smontesano@rivervalleycu.org

Day Air Credit Union
3501 Wilmington Pike
Kettering, OH 45429
937.643.2160
888.329.2472
937.643.3870 (Fax)
mail@dayair.org

Wright Patt Credit Union
2455 Executive Park Blvd                    AND                 3560 Pentagon Blvd
Fairborn, OH 45324                                                        Beavercreek, OH 45431-1706
937.912.7000
937.912.8148(Fax)

CEO Douglas Fecher dfecher@wpcu.coop
SVP, Chief Lending Officer Tim Mislansky tmislanky@wpcu.coop        
CFO Matthew Davidson mdavidson@wpcu.coop
VP, Consumer Lending Eric Bugger ebugger@wpcu.coop
VP of Marketing & Business Tracy A.  Fors tfors@wpcu.coop
VP, Internal Audit David Bowser dbowser@wpcu.coop
General Counsel Scott Everett severett@wpcu.coop

Capital One Auto Finance, Inc.              General Electric Credit Union
CEO Richard D.  Fairbank                               CEO Patrick L.  Taylor
3901 Dallas Pkwy                                               10485 Reading Rd.
Plano, TX 75093                                                Cincinnati, OH 45241
800.946.0332                                                     513.243.4328
800.689.1789
866.722.0410 (Fax)

Santander Consumer USA                           CEO Thomas G.  Dundon
Customer Complaints                         AND         SCUSA Holdings Investor Relations
Office of the President                                          PO Box 961245
PO Box 961245                                                       Forth Worth TX 76161-1245
Forth Worth, TX 76161-1245                               800.493.8219
888.222.4227                                                          investorrelations@santanderconsumerusa.com
OOPOFFICE@santanderconsumerusa.com

TD Auto Finance
CEO Timothy D.  Hockey                  AND                        Customer Resolution
27777 Inkster Rd.                                                                 PO Box 1622
Farmington Hills, MI 48334                                             Roanoke, TX 76262
248.427.6300                                                                       800.556.8172
248.427.6600 (Fax)

Mazda North American Operations
7755 Irvine Center Dr.
Irvine, CA 92618
949.727.1990

Customer Center
PO Box 19734
Irvine, CA 92623-9734
800.222.5500

CEO Jim O’Sullivan
Director of Public Relations Jeremy Barns

Chrysler Group
1000 Chrysler Drive
Auburn Hills, MI 48326
248.576.5741

General Motors
300 Renaissance Center
Detroit, MI 48265
313.556.500

CEO Mary Barra
General Counsel Michael Milikin

Mitsubishi Motors North American
6400 Katella Ave.
Cypress, CA 90630
714.372.600
888.648.7280

Mailing Address
PO Box 6400
Cypress CA, 90630

CEO Jeff Young
Chief Legal Officer John McElroy
Public Relations Alex Feorak

Nissan North America
One Nissan Way
Franklin, TN 37067
615.725.1000

Chief Customer Officer John Spoon
General Counsel Andrew Tavi

Did you get ripped off with an EasyCare contract by your car dealer? Here's where to complain -

Larry Dorfman, CEO
EasyCare - APCO
6010 Atlantic Boulevard
Norcross GA 30071
info@easycare.com
800.458.7071

Motor Trend
831 S.  Douglas St.
El Segundo, CA 90245

Edward Loh Editor-in-Chief
http://www.motortrend.com/staff/edward_loh/

It might help to complain to the Dayton Better Business Bureau too. Here is their contact info -
15 W.  4th St.  Ste.  300
Dayton OH 45402
937.222.5825
800.776.5301
937.222.3338 (fax)
CEO John North
jnorth@dayton.bbb.org

Mark Graham, Executive Director of Business Ethics
mgraham@dayton.bbb.org

Melissa Cutcher, Vice President of Business Relations
mcutcher@dayton.bbb.org

Christy Mauch, Director of Operations
cmauch@dayton.bbb.org

Jeanne Porter, Founder and Director of WiBN
jporter@dayton.bbb.org

And don't forget to complain to Ohio's chief law enforcement officer, the Ohio Attorney General -

Mike DeWine
30 E.  Broad St.  14th Floor
Columbus, OH 43215
614.466.4986

Cincinnati Office
441 Vine St.
1600 Carew Tower
Cincinnati OH 45202
513.852.3497

Chris Wagner, Assistant Attorney General
Sandra Lynskey, Chief Consumer Protection
Melissa Wright, Assistant Chief Consumer Protection
800.282.0515

And when all else fails, remember Burdge Law Office.
Getting rid of lemons, and getting your money back, that's what we do.
Helping Consumers Protect Themselves for More than 30 Years