Washington Attorney General

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Maaco Auto Repair in Federal Way,WA
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FEDERAL WAY., WASHINGTON -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

Dear Attorney General,
On 6/15/06 I took my car to Maaco auto repair on Pacific Hwy after my car was hit in our driveway (yes this is true) while my husband and I were on vacation. It has turned out to be a nightmare. The car was hit on the passengers side by a moped and the moped was drug down the whole side of my car. It obtained major damage. The man who hit me was not insured to drive the vehicle,for it belonged to his fiancee's family and his insurance did not cover him for the accident repairs. This is the reason I took it to Maaco to begin with. He had not wanted to get the other people involved.I knew Maaco was less expensive and the man told me he would pay for this out of pocket. To make a long story short I had to get my insurance involved amd he is being sued for the repayment of the damages to my insurance and for my deductible. The car panels look very wavy. Not smooth at all. The first look I had at the repairs were horrible. I told the estimator of the Federal Way Maaco that it looked really bad. He said they would do more work. I have contacted the main Maaco corporate headquarters and I am awaiting more help from them to let them know I picked up my car after the SECOND go around of repairs with not much difference.
I don't know what can be done about these people. They call themselves professionals and all they are doing is ripping off insurance companies and people in general.
I had mentioned to Peter Rogulj (the estimator at Maaco) that I was still not seeing much improvement. He said that this was all he could do and I should take this up with my insurance claims adjuster from Farmers insurance. He said it was her fault for not letting them do more work. But, I told him the 'wavy' look of the repairs on the panels of the car had nothing to do with her. It was bad workmanship.
I am at standstill. What can I do? 7/1/06

As a resolution, I would like the following:

Having Maaco so the right thing and fix the car properly.

Please contact me if you need more details regarding this incident.
     
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NCO Financial
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EVERETT, WASHINGTON -- As a consumer from your state, I felt it was my responsibility to bring to your attention
the following incident.

My son received a call at 7:15 this morning from someone named 'Jim' claiming to be from Verizon. My son explained that I was not home and took the man's name and phone
number.

At 7:20 this morning I received a call at my place of business from some named Jim, who claimed he represented Verizon and was trying to collect a debt. I was very busy at that time and told him I would have to call him back.

I got home from work about 2 hours later and called this person back. He answered with his first name 'Jim’ did not identify his company.

He stated that he was trying to collect a debt for Verizon. I said okay that was fine and what kind of arraignments could I make. I did not dispute the validity of the debt with him, I had already disputed it with the originator of the debt. What I did say was that I didn't appreciate being called at work and at home so early in the morning and said that under both the Washington Collection Agency Act and the Federal Fair Debt Collection Practices Acts, he were prohibited from calling me so early.

The man began to scream insults and threats not letting me get a word in edgewise. He was screaming so loudly that another person in the room heard him.

At this point I was so frustrated I asked him to stop screaming and tell me what I could do to take care of this debt. He said and I quote 'there's nothing you can do... you don't know a d*&^ thing about the law.... I'll have you served with papers for court before the week is over... you'll be sued and your paychecks will be garnished and we will get our money anyway... You obviously don't want to work this out or pay your bill, so I'm hanging up now.'

I placated him enough for him not hang up and to tell me how I could pay this. I do intend to pay the debt, had I ever received something from the Collection agency prior to
this phone call I would have known I was out of options with the original company.

As a resolution, I would like the following:

I would like a formal complaint filed against NCO Financial and it's representative 'Jim' who's direct phone line number is 1-800-795-XXXX (I will be more than happy to provide you with the last 4 numbers if they are needed). I would like NCO Financial to be held accountable for their employees collection tactics as they claim to train their employees. I want them to be made to follow both the State and Federal laws in regard to collection practices.

Please contact me if you need more details regarding this incident.
     
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Fraud - Beneficial - Household Finance
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TACOMA, WASHINGTON -- As an honest consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

In October of 2000, my husband and I refinance our home with Beneficial. Before signing the documents, I notice that they had a 5 year pre-payment penalty.

I informed the Loan Officer that I would not sign the documents, because I did not want to be locked into a loan for five years. The Loan Officer stated that he would talk to his Branch Manager and see if he could get this reduced to a 2 year pre-payment penalty.

The Loan Officer came to our home a few days later, stating that he had got the pre-payment penalty reduced to two year. He then produced a letter on Beneficial Finance letterhead.

This letter is to confirm that your first mortgage consolidation loan which is cheduled to close on October 31, 2000, will have a reduction from our standard pre-payment penalty term of 5 years to a 2 year pre-payment term. The pre-payment penalty clause will become null and void after October 31, 2002. Please keep this document for your records. Should you have any questions, don't hesitate to contact me direct at 253-476-1710.

In May of this year, we started looking to refinance our home loan because of the high interest rate. When I contacted Beneficial regarding our 2 year pre-payment penalty, they stated that the company has a standard 5 year pre-payment penalty and the letter that I have is not valid. They stated that since it is not recorded that they would not honor the letter.

At Beneficial Finance, I spoke with the Assistant Manager, Donia Martin, who was reluctant to give me information regarding Beneficial Corporate Office, and phone numbers. I also spoke with another Assistant Manager, Jeffrey M. Broussard. (Whose name is on the letter I have.) I asked Mr. Broussard, who he reported to and that I would like to speak to that person. Mr. Broussard placed me hold for five (5) minutes. When he returned to the call, he stated I could speak with Bill Nolan, District Manager, who works out of the same office as Mr. Broussard. Why it took Mr. Broussard five minutes, to tell me his supervisor's name, was very strange to me.

As a resolution, I would like the following:

I want Beneficial Finance to honor the two year pre-payment penalty stated in the letter I received signed by Beneficial Finance, Branch Manager Kipp Cosgriffe.

I feel that Beneficial Finance deliberately produced the letter just to get me and my husband to sign the papers, and had no intentions of honoring the agreement set forth in the letter.

Please feel free to contact me if you would like more details regarding this matter.
     
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Emirates Airline - Lost Baggage
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BELLEVUE, WASHINGTON -- As a consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

Emirates lost our bags on flight EK623 and EK001 on 12/25/07 (LHEDXB and DXBLHR). I filed a report (# LHREK23901) at Heathrow airport. Since then I’ve been trying to get in touch with Emirates but no one has returned my calls or replied to my emails. Some details…..

1. Left 20-30 messages to Emirates UK at 020-8897-3063 during my Stay in London. No one returned my calls.
2. Talked to Heathrow Emirates Stuff (Leon and Russ) in person on 12/30. They promised to get back but no one did.
3. Called and left messages for Emirates USA at 212-758-3944. No response.
4. Called Emirates Dubai at 001-971-4-213-32333 and was told to file another report provide more details about contents of the luggage. Report emailed UK, USA and Dubai on 01/02.
5. Emirates confirmed email reception and advised that someone from customer service will be contacting me but that has not happened yet

In short, I have been calling and emailing Emirates UK, USA and Dubai for pas two weeks to trace my lost bags. There is no live help available in UK and USA. Emirates call center in Dubai rarely picks up phone but has not done anything to resolve this issue. I have run out of options and would really appreciate any help from you in this matter.


Please contact me if you need more details regarding this incident.
     
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Contest Fraud
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INTERNET -- As a honest consumer from your state, I felt it was my responsibility to bring to your attention the following incident.

I believe a company on the internet is running a contest that is impossible to win. They state that you must win a game twice in a row within 90 seconds, but the wording makes it sound like you have 90 seconds for each game. Also because of the way it is set up, I think it would be impossible to win 2 games in a row in 90 seconds.

As a resolution, I would like the following:

I believe they should have to give everyone who 'won', the promised prize. I won the gumball machine twice and wrote to them because nothing came up asking for my information, and they never responded. I finally just spoke to someone there who told me you must win both games in 90 seconds total. I believe it would be fraud to offer a prize for a game no one can win.

Please feel free to contact me if you would like more details regarding this incident.
     
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