It's actually not such a small institution, with 30+ branches. Their website is typically geared more to marketing than operations, so lacks the information you need about pecking order. You'll have to do your own sleuthing, but know that Auto loans is probably not within the same chain of command as Mortgages.
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They won't send me my license plate
- Thread starter Rogue Hawk
- Start date
It's actually not such a small institution, with 30+ branches. Their website is typically geared more to marketing than operations, so lacks the information you need about pecking order. You'll have to do your own sleuthing, but know that Auto loans is probably not within the same chain of command as Mortgages.
JoshHefnerX
New member
The state you bought from should have a regulatory group - possibly their DMV. You can try logging a complaint there. The business needs to be licensed in that state to conduct business...
At this point I would suggest that you make an appointment with the manager or president, of the bank and go over the situation with them in person. When you are sitting there, in their office, it is harder to put you on "hold" and forget to give you an answer. I know that if you work the same hours the bank is open, you will need to take time off. But it may be the only way to get this done. Keep your cool and don't yell or threaten them. Let them know that if they do not help resolve the issue you will pursue it up the food chain until you get to someone who can take action.
Give them the facts and names of the people you have been dealing with and nicely ask that the issue be resolved ASAP. Give them a deadline and explain why you need it done ASAP. If nothing gets done next step would be to see what regulatory agency oversees the bank and contact them with your case. You could also contact you states Attorney General and file a complaint with them. If the dealership is causing the problem contact the Wisconsin Attorney General and file a complaint with them. That is a lot cheaper than a lawsuit.
No matter how this ends up, it is going to take a quite a bit of your time.
Give them the facts and names of the people you have been dealing with and nicely ask that the issue be resolved ASAP. Give them a deadline and explain why you need it done ASAP. If nothing gets done next step would be to see what regulatory agency oversees the bank and contact them with your case. You could also contact you states Attorney General and file a complaint with them. If the dealership is causing the problem contact the Wisconsin Attorney General and file a complaint with them. That is a lot cheaper than a lawsuit.
No matter how this ends up, it is going to take a quite a bit of your time.
Rogue Hawk
Active member
I got a call from the loan officer. She was on vacation for two weeks. She said the dealership screwed up and applied for Wisconsin plates. Now she has to straighten that mess out. The bank wants the title, that is there main driving force. She hopes it will all be fixed in ten business days (Yeah, we shall see). She said they often have trouble with dealerships who have already been paid.
JoshHefnerX
New member
Banks are usually beholden to some kind of state banking committe or commission. Here's WI's if the bank doesn't the on the ball. They have the power to pull banking licenses or fine them for non compliance in things.
https://www.wdfi.org/fi/banks/default_dob.htm
Here's their complaint page.
https://www.wdfi.org/contact_us/ComplaintDefault.htm
https://www.wdfi.org/fi/banks/default_dob.htm
Here's their complaint page.
https://www.wdfi.org/contact_us/ComplaintDefault.htm
wyliec
New member
Be positive.
Well, that's good news (of a sort). At least the bank is acknowledging there's a problem and they need to get it fixed.
Rogue Hawk
Active member
Yes, hopefully it will work out OK. Season is just about over. Good thing I have my Ryker.
Rogue Hawk
Active member
Rogue Hawk
Active member
I still have not gotten my plate. Do I have any legal recourse or am I just at their mercy? The loan officer ignores my calls.
Gwolf
Well-known member
If it has been a reasonable amount of time and they will not produce your paperwork so you can register the vehicle and get a tag for it, then something is wrong with that deal. If you fulfilled your part of the bargain and they did not, then it might be time to start proceedings to stop the deal and have them return anything you have spent on it. If they can't produce the paperwork in a month or more, they don't have a clear title. I would be getting out of there and giving them the vehicle back. I would also file to have them pay my attorney's fees. You might not recover everything you spent, but that would be better than having the title held up for who knows how long. The public defender might be able to help you or give you some advice. Don't bother with phoning them, if they refuse to take the calls. Write them a letter and send it return receipt requested.
Rogue Hawk
Active member
What kind of attorney would handle a case like this?
Gwolf
Well-known member
Not real sure, probably one that handles commercial civil litigation.
Hopefully just a letter or call from a lawyer will take care of the problem. They might keep putting you off, but if they think it is gonna cost them, they will probably do what they should have done to start with. If the title has a lien on it, they are not gonna want to go to court with something like that. Nobody knows why they putting you off, but there must be some kind of problem with the title.
https://www.hg.org/law-firms/civil-litigation/usa-illinois/chicago.html
I can't give you any legal advise. That is what you use an attorney for. They should know how to get the ball rolling.
Rogue Hawk
Active member
OK, thanks for your help.
Rogue Hawk
Active member
Update on the elusive license plate
Well, I finally did get it about two weeks ago. I bought the bike in August or September, I forget. I went over the head of the loan officer and spoke to a supervisor. She put me on hold and when she came back *Poof* my paperwork was submitted to Illinois...'last week'. Illinois was surprisingly fast considering their license plate system is not computerized. So all in all, the dealership sat on it for weeks, then mistakenly sent the request to Wisconsin. Then the bank sat on it for a month and a half. If it where not for my complaint I would still be waiting. Well, the bike is in storage right now, but at least its official. The lesson, be there when the deal is closed. Out of sight means no one respects you.:banghead:
Well, I finally did get it about two weeks ago. I bought the bike in August or September, I forget. I went over the head of the loan officer and spoke to a supervisor. She put me on hold and when she came back *Poof* my paperwork was submitted to Illinois...'last week'. Illinois was surprisingly fast considering their license plate system is not computerized. So all in all, the dealership sat on it for weeks, then mistakenly sent the request to Wisconsin. Then the bank sat on it for a month and a half. If it where not for my complaint I would still be waiting. Well, the bike is in storage right now, but at least its official. The lesson, be there when the deal is closed. Out of sight means no one respects you.:banghead:
Glad to hear this got sorted, its painfull story to read. Ride happy mate
Glad to hear it's finally taken care of!
When my father died, I took possession of his car. It was easy on my end, Michigan issued plates etc. quickly. The hard part was that New York State (where he had lived) kept on issuing him tickets for driving without renewing his license or registration. (Dead man driving?) A letter cc'd to a lawyer and bundled with the tickets finally settled them down.
~Sandee~
When my father died, I took possession of his car. It was easy on my end, Michigan issued plates etc. quickly. The hard part was that New York State (where he had lived) kept on issuing him tickets for driving without renewing his license or registration. (Dead man driving?) A letter cc'd to a lawyer and bundled with the tickets finally settled them down.
~Sandee~
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