Triad Financial Services
Reviews and Complaints

I will never use them again, and to anyone thinking about doing business with them, DONT. I will sell my loan and start over before continuing using their service. Teresa lied about what she was going to do and what she told her supervisor. I know I signed a contract about my payments fell behind but willing to get it right. She was supposed to date my payment first thing in the mornings I was sure the funds where available. After getting a conf. #, the funds were taken immediately and my account was overdrawn because she lied about when the payment would be taken. Of course when they are wrong they don't decide to record conversations that they say they would. I am REALLY REALLY PISSED! Don't use them and I hope they can't survive and go bankrupted!

If you are offered a loan thru these people, YOU DON'T need a vehicle that bad. You can send in your payments and they either say they didn't receive them or credit your money to another account and then say YOU did not mail in your payments. Sent in by Delivery Confirmation so it showed they got it. Several times money posted somewhere else and then they still wanted to charge late fee. Or the money order arrived and never got cashed. Thank god had enough brains to send by postal delivery confirmation and pay with money orders and write down the dates, times and people with who I spoke to. I was sick of messing with their stupidity and calling me a liar. When they came, I gladly let them take it and told them I will countersue if they try to come after me. Only good thing, I can at least get back the money from all the money orders they never cashed. Six total!

They are inhumane! My sister passed away in August. Right after she passed, we had hurricane Ike which delayed settling the estate. I paid two car payments (actually more than the payment) and the account was up to date. Two days ago they came and repossessed the car in the middle of the night. When I called I spoke to the rudest people I have ever encountered. The first woman told me I couldn't get the car, but I could get my possessions. The second woman told me if I sent a death certificate and will showing a beneficiary, that we could get the car back if we paid it off. I asked for a supervisor as the woman was uncommonly rude and she was just as bad. Today I sent the payoff (which was $400 more than yesterday) by Western Union and the woman I spoke to said management was having a fit and she didn't understand why because the account was so up to date. She said we were lucky to be having the car released to us based on the will we sent in. Well, we went to pick up the car and the yard people said the release on the car stated specifically that it was to be released ONLY to my sister who has passed. That was intentional, vicious, and appalling! If anyone does have a class action suit, I'm in!

Everything was fine until April, when one day they called and said I was 40 days late. Oh? Well, didn't you just get my April payment last week? And so it began... Finally they decided they had made a mistake on my account and would reverse fees and I would be current.

I continued making payments, and receiving their invoice every month, showing my previous payment, with past due amount ZERO. Fast forward to August... Through the 10-15 calls a day to me and everybody I know they finally tell me that I am 80 days late and they are coming to get the car.

Long story short, after 1 hour daily conversations with everybody and their MAMA, they finally tell me that yeah, I had a due date change 2 years ago but that their accounting system didn't handle it right, so they reset the account, and indeed, several of my previous payments had been applied to mysterious late fees and interest because of their recalculation. Then they added several hundred dollars more in late fees because in their eyes, I was now 80 days late. It didn't matter to them that I had made all of my payments. They didn't care. The only way to fix it was for me to pay them what they say I owe. They threatened me, they screamed at me, they cursed me. I don't know how they sleep at night.

I refused their 'help' and they told me that I could use a 2 month extension and then pay $ 700 to make me current. Yes, even though I AM current. WTF? So I sent them a letter and told them to leave me the Hell alone until they got my account fixed. What happened? they decided they want the vehicle back and I'd better not give them any hassle and on and on.

I'm about to go over the edge. I need my car to get to work. I sent them their money, and now they want to steal my car. It doesn't seem as though these people have been held accountable for everything they have apparently done to a lot of people. Why do they get away with it?

Road Loans/Triad Financial is the worst place to get an auto loan. If you are as much as 5 days late they will harass you at work and your whole family or your references you put down. They are ruthless, cruel people. They will continue to call you at work even after you have sent them signed papers stating not to. They are disrespectful and demanding and will threaten to come get your vehicle even though you are now where near 30 days late. Don't use these people they are not worth the hassles you will get for that new or used car you need to purchase.

Its time for a class action law suit against Road Loans, these people do not respect the Fair Collection Practice Act, set up on collections, they don't, if you make your payments and need a payment date changed, they don't care, if you were late on a payment, they don't care, if you sent your payment in and it was sent back, they don't care, they feel they can use bull dog tactics because they hold a contract, however, contracts are made to be amended, none the less, they don't follow laws when it comes to consumer affaires, they don't follow Federal trade commission laws either, they only way to stop this abuse is to email Greg Abbott in Texas and other Attorney Generals in other states and file a law suit on abuse, on their abuse of power of authority their employees are so abusive, some how they feel because they have a contract they can treat you like this, I will take them back to the hood where I come from and let them know, there is no customer service, doing nothing to aid the client in transitional times as we have faced especially in today’s economy, we as consumers have to make them care, the only way to change their behavior is to talk with Congress, and Attorney Generals, Consumer protection division and make them more aware of their behavior and file for law suits under the Fair trade and commission act then and only then will we see a change in their behavior, instead they would rather ruin your name by twisting the truth not helping and abusing their power of authority, CLASS ACTION LAW SUIT I am for it, all I asked for was a date change so I could keep up my payments on time, they refused too, that’s grounds of a write off, they are refusing payment, they can kiss my --- for all I care, there are other cars and other car lots, I can dispute all they have to say to any credit bureau through the fair trade and collections act. I don’t take abuse just to make a payment and that is what they are doing, the way I see it we need each other, they are not going to abuse me, because Greg Abbott will be reading a email from me, about their behavior, Road Loans and Triad needs to be investigated trough the fair trade and collections act laws, because they are abusive to their clients, and actually steal cars calling it repossession, oh yes, I will shine the light on their bs. All I asked for was a date changed, they had all kinds of excusess why not, so they can pick up that car and place me in a bad situation, well, let me tell you Road Loans one thing, I have been on my own sense I was 16 years old female, God didn't get me this far to be kicked around by the likes of you. Class action law suit I am calling for one, on the grounds of the Federal Trade Commisson Act, Fair Debt Collections Act, and the rest of the Acts that aid in fair collections.

Account was past due due to winter time when it rains I don't work, I drive a cement truck. Got behind on account and when we got our income tax return we called to get the total amount oweing on account to bring the account current and up to date and was given total of, $2, 879.43 the payment was mailed 2 day priority to the payment center and the check cleared our account 4 days later and then a repo company comes to my home to repo the vehicle. They didn't take the vehicle due to the police was called out to our home, the police told them they can't take the vehicle. So I then call the first thing the next day to see why there were repo men at our home and they said that the total amount on account wasn't paid current that $125.73 was still owing on the account so we western union them the $125.73 and I was then told that it would be current. I get a email and letter in mail stating that our account is up to date and has a $00.00 balance till next month when the regular payment would be due again. Well 6 1/2 months later I haven't received 1 statement every monmth when I mailed in payment I had to write all information on a piece of paper and I requested that I nedd to be send statements and it is kinda hard to mail in a payment and no coupon /return slip to enclose with payment and even after doing that and calling and emailing that I haven't been getting my monthly statements I still to this day haven't received a statement. I was on the phone for 3 1/2 hours and online with live chat for 2 hours to get this straighten up because they were trying to tell me that the account balance was more then it was suspose to be. And how do I know if what i'm being told is true or not cause i've heard it all before and it comes back to me being told that I was misinformed and sorry that the account has a few fees due that are revolving and won't come off account unless paid and the told me that I fee was for a nsf fee of, $15.00 back in dec. Of 07 and a repo charge of, $84.00 back in feb of 08 and they never repoed the vehicle due to the repo company we know them and are mutal friends of friends of ours thats why they didn't repo the vehicle. And they tell me that the repo company sent them a bill for $84.00 fee for just driving out to the home. And anyways my point is that this company is scandalas and have terrible customer service and told one thing then 2 days later told you wer misinformed and that the information was incorrect and ten say that the zip code they have for our home was different then was I was giving them that may be why I haven't received statements and I said that funny I get the letters that are mailed to me saying that if there are any late fees on our account a one time special offer that 50 percent of those fees will be taken off acoount and waived and to call to take the offer and to set it all up and discussed and a letter stating that the account has a zero balance showing. This company is a terrible company to get a auto loan with don't do it even if your deperate for a auto loan wait and find another auto loan company and try to work another deal with some other company you'll regret doing business with this company trust me lookm at all the other complaints against this company and class action law suits.

I had my car repossessed and they gave me 10-12 days to get caught up on my payments. With the help of my family I did. Triad promised that they wouldn't do anything with the vehicle and because they didn't check that they received everything in order to reinstate it they shipped it off to the Auction place forcing me to travel 273 miles to recover the vehicle. Triad didn't even do anything seems to me that Triad is rather greedy it's not like I'm the only one that has a car loan with them.

My name is Cynthia in 2000 I applied for a car loan and was approved for about $19, 000 through Triad Financial Corporation for a 1997 Nissan Pathfinder. My monthly payment was $500, I paid this every month( i was late a couple of months but the payment was made none the less) I sent what was supposed to be my final payment via western union july of 2006. Since then I have tried to contact them several time because I never received the pink slip to the car. Every time I called and asked to speak to a supervisor I got hung up on. I recently received a copy of my credit report and found that Triad reported my account as a charge off for the amount of $348. I contacted them today (June 4, 2008) at approximately 3 pm and was on the phone for 30 min and getting nowhere I finally asked to speak to a supervisor and was denied I asked again and was hung up on. I started to research Triad online for answers and found that there were many others in ! the same situation with Triad. After I made my last payment I never received any letters or phone calls from the company again they claimed that they sent me numerous letters and phone calls. I have worked at the same place for over 20 years and lived at the same residence for 2 years after the last payment. They never had a problem getting a hold of me before that. Now I am put in a situation where I cannot sell my car or even buy a new car because they falsely put a charge off on my credit report. So now I am wondering what kind of recourse I have.

Did not know about any lawsuit against Triad. I have had my loan going on 2 years at $500.00 a month, yet I would love to get refinanced, however I still owe more than the car is worth, so unless I inherit a wealth or unending riches, I was born in American, disowned by my native state, I am going to die poor. It seems to be the American way. It seems that the politics would be to work for the Americus and its people to a credible culture and not return to undermined existence. Triad then needs to pull themselves away and above the others. So since now I have had the loan for 2 years of April 08, I find the loan outrageous and demeaning, since I traded a mustang in towards this car and Triad is a subsidiary of Ford. 2 down and more to crumble!

I received an Insurance check in 05 for damages done to my vehicle. I sent it to Triad endorsed with my signature. They endorsed it incorrectly, my Insurance Company canceled that check and sent another check to them. Check number 2, Triad called me and said the Insurance check bounced! I called Insurance and they replied, 'NO WAY! that check bounced.' I called back to Triad and told them that one. My Insurance issued another check after voiding this one.

After the number 3 check was issued, Nothing ever was said but back and forth bickering over the phone because they have no office to go to. This is only after the pay off was sent, and I was waiting for my title, and went to the license bureau did I find they had a lien on my vehicle! For What?

I contacted the Insurance and they traced the check, it HAD NOT BEEN cashed and applied to the loan at all! Triad tried to make me pay finance charges and that was another 2-3 week argument. BUT Triad still has the check.

This is 08 now, and ongoing still to get my title for a car that was paid off in 05! I looked outside and their is a tow truck, I told him the problem and he left it, then they sent another. I had contacted them over and over and my Insurance that said tell them she would send another check. It is in the process of me signing the paper for the Insurance to re-issue number 4 check.

I have talked to Triad and they said they have no account info for me and charged it off to a collection place, that is the people that all along are after my vehicle. I told Insurance and she said have Triad fax over a paper stating that the loan was charged off, I told them, 2 weeks later, Triad is contacted again.

They say well you will have to send a letter asking for that letter. I did! The car was taken while getting my taxes done, they followed me all the time, to the point of people coming into my yard at night, and following my daughter to school. They have made my credit even worse now! I am humiliated by the constant following and stalking they have done to my family and myself, that I can't sleep.

They have my vehicle, I paid for it and now can't work, have to bumm rides to places, can't go the doctor. I am so bothered and upset that I m up at 4 a.m. writing this statement. I don't want the rudeness and embarrassment to happen to another, because Triad did not cash a final payoff Insurance check.

I cry over this every night, and day for the passed 4 years. How long would it take for me to write you a check for almost 3 thousand dollars before you cashed it? What is the deal with this?

Now my car is gone, and the place that took it will auction it off, and probably not even tell me where its at. They auction it off on Tues and Fridays. I went where the car was suppose to be and its not there. At this point I am waiting on Triad to fax me the letter back so I can get the car back or some legal paper to show the police that my vehicle was unlawfully taken.