The Mint Leasing, Inc. (Mint) is a third-party auto finance and leasing company based in Texas. Mint has received consumer complaints alleging problems with customer service, unfair leasing and sales tactics, and credit reporting. If you have been contacted by Mint, make sure you understand your rights before taking action.
According to information from the Nevada Secretary of State’s website, The Mint Leasing was incorporated in Nevada in 1997, but is based in Texas. The Better Business Bureau (BBB), established its profile page in 2000. It lists Mint as a “leasing services” company. According to public information available on Pacer Case Locator, on March 30, 2017, certain of Mint’s creditors filed an involuntary Chapter 7 bankruptcy petition against Mint. The proceeding was later converted to a Chapter 11 bankruptcy and then back to a Chapter 7 bankruptcy. The Chapter 7 bankruptcy proceeding remains pending.
The Mint Leasing website does not mention the bankruptcy proceedings. Instead, according to its website, Mint “brings a new approach to the lending industry.” It reviews every deal “individually” and does not “rely on beacon score to decision deals.” Mint instead uses “a common-sense approach to provide the best possible approvals and the fewest turndowns in the industry.” It has an “unprecedented 95% approval rate.” The company’s “mission is to provide its dealers the ability to offer the most flexible financing and an opportunity for customers to customize their financing through a closed-end motor vehicle lease.” Dealers that work with Mint “are rewarded with outstanding service from its entire staff of dedicated professionals.” For consumers, Mint offers “flexible leasing terms that do not restrict them to mileage limits and allow them to trade vehicles when their needs change.” Customers “are happy with the vehicles that meet their needs and Mint’s dealers are happy with the repeat business its leases allow them to generate.”
The Mint Leasing website provides information for car dealers and information for consumers interested in leasing or buying a car. Its dealer pages inform site visitors that It provides Mint’s dealer “guidelines”, contact information, and a link to the “deal of the month” on a website operated by Hollimon Transportation, which appears to be affiliated with or run by Mint. More information is available by contacting a Mint dealer representative.
The consumer pages allow site visitors to search for a dealer by state, to search for a car through a link that brings them to a website for “Hollimon Transportation”, or to complete a “credit application” online also through Hollimon Transportation’s website.
Mint’s Website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security, a link to the company’s stock quote page on Yahoo! Finance and the name and contact information for its transfer agent.
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The BBB has closed 4 complaints against The Mint Leasing on the past three years, one of which Mint failed to respond to at all. The complaints against Mint that are detailed on the BBB’s website allege problems with customer service, improper and unfair sales tactics, and credit reporting.
Absolutely. Here are some Sample Cases against The Mint Leasing Inc.
According to information on the BBB website, complaints against The Mint Leasing raise problems with customer service. Specifically, consumers complain that Mint does not honor its agreements, that they are unable to resolve title issues even after paying off cars obtained through Mint and completing all necessary paperwork, and that Mint is “rude” to customers.
In October 2016, a complainant indicated that due to Mint’s “incompetence” and failure to produce title to the car he had paid off, he was unable to sell the car, which made him “lose money.” The complainant alleged that his father leased a car from Mint, which the complainant finished paying off a few years later. He “personally went to Mint’s office to make the final payment and fill out the title application…” While he was there, Mint representatives told him the title application would be submitted to the state and that his title would arrive in two weeks. According to the complainant, he still had not received title five or six months later. He contacted The Mint Leasing Inc “multiple times” and was “either sent to voicemail or given a rude and evasive answer that does not clarify why he had not received his title.” The complainant alleged that he had planned to sell the car once he received the title, but that he had been unable to do so without the title, which the complainant indicated was “absolutely unbelievable and unacceptable.”
In September 2016, a complaint alleged that The Mint Leasing Inc refused to honor its agreement to return the money he paid for a leased car that he returned after only six days. The complainant alleged that he leased his first car from Mint, paid $1000 initially, but returned it after six days “due to overpricing and the high monthly payments.” According to the complainant, the day he returned the car, the company accepted it and offered to give him his money back, and the complainant accepted. Although complainant’s mother witnessed this, the company representative then claimed that he had never offered or agreed to return the complainant’s $1000 and was “rude” to the complainant and his mother. The money was a “big problem”, but the complainant “let it go”, only to find out that Mint reported negatively on his credit. The complainant, a 19-year-old college student indicated that he was “very worried about his future with this report on his credit” since it is the only credit he had to date.
The Mint Leasing, Inc.
323 North Loop West
Houston, TX 77008
Telephone: (866) 311-6468
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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