We financed a vehicle through Triad Financial two and one half years ago. We made all of our payments on time with the exception of approximately 5 in the past two years. Those five were made no later than the day after the payment was actually due (the payment was due on the 25th and all were paid by the 26th). On each of those occassions, I had let time get away from me and forgot until 6:00 the next morning.
On one of those occassions, I made the payment at 9:00P.M. On the day it was due using their over the phone payment option. The next morning at 9:00, we received a rude phone call demanding a payment because we were "delinquent" on our car loan. We explained that the payment had been made on the day it was due and had already been debited out of our checking account. The person on the phone informed us (rudely and abusively) that we had a high risk loan and we made the payment late because it was not made prior to 5:00. No where in my contract did it say that we had to have it made be a certain time - only by a specific day.
To top off this two year nightmare, we sold the car on September 18. The dealership contacted Triad on Sept 20 to get the pay-off so they were aware of the trade. Two days ago, October 4, we received another rude call demanding a payment because we were delinquent. We explained the situation, they told us rudely that they were unaware of any change in our obligation to them and we owed a payment.
We told them not to call again and hung up. The next day, I contacted the dealership to say that we were being harrassed by Triad and got the date that the check was mailed to Triad (the 27th). Again, that day, we received another call. After three attempts to get someone to note our account, I was told that we owed the money, we had a contractual obligation to them and we needed to fulfill it. They would not even note our account with the date the check was sent nor would they check with the correct department to see that there was a misunderstanding there.
I was finally transferred to some "supervisor's" voice mail and left a message requesting help in getting this mess cleared up so that we weren't threatened by their rude employees any longer.
No matter how bad someone needs a loan - DO NOT USE TRIAD!!! They assume that everyone they do business with is a deadbeat and is trying to beat them out of money. To make it worse, every employee I dealt with told me that I had no right to complain about their behavior because they had loaned me money.
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