I'm extremely disappointed with this place. Our 1st loan for a commercial vehicle was granted in one of the San José locations... no problem at all. Everything was communicated fairly. Loan was paid in full with no issues at all. We were satisfied and decided to do most of our investments there. 3 more loans. 2 refinanced and 1 regular. This time at the Fremont location closer to home. The worse experience ever. Of course the beginning was awesomely nice! No late payments on any of the vehicles and great credits. Well guess what, since I have bought my vehicle the original bank didn't required for me to have full coverage, so I had liability and since with this bank I was refinancing and it was the first time ever I refinanced "anything", I didn't know I was required to have a full coverage. I work in sales, hand and hand with AP and AR departments, we call our customers, sales rep and accountant, we mail, we email and we make sure they are aware of what is happening with their accounts. Here, they only mail "letters"... They have my personal checking bank account information where they automatically take out the monthly payments of all the vehicles; they also have my email and my personal and work number. I will not pay attention to tons of junk mail. The collection guy has been writing notes on my accounts of ALL the phone calls he made in attempt to contact me... I have not even one voicemail or email. Both phones right next to me. I received many calls from customers all day. This was a very important matter, why didn't this man leave 1 single voicemail since day one to let me know one of the cars was being repossessed. Out of 3 vehicles one was having an issue. WE ARE YOUR CUSTOMERS! Not an enemy. This man has been lying about contacting me... just be very careful when the agent is explaining to you. Unfortunately my agent at the Fremont location had an incredible deep accent and o couldn't understand her well, my husband said he did, I assumed he would take mental notes for me. All because of liability and full coverage insurance, not because late payments the car was repossessed with a total amount of $2,532.06. If you pay it the car is yours. If you don't take the car you still have to pay your loan and debt. Screw this place they have ruined my credit to top
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