If a payment is returned due to insufficient funds or uncollected funds, First Investors may choose to resubmit the payment a second time if the payment is eligible for resubmission. Resubmission may occur up to 7 days after the original payment date.
No. Before signing up
with any payment provider, we recommend closely reviewing the terms,
conditions, and representations, including any claims concerning
“savings.” Many of these claims omit
the impact of an enrollment fee. We do
not require any consumer to sign up with any third party payment
companies. If you experience any issues
or have concerns about any such product, please contact us and we may be able
to provide assistance.
Receipt of your physical
title depends on whether or not we are in possession of the physical title or
if our lien has been recorded electronically. In either case, we will
release our lien within a reasonable time following payment in full for the
satisfaction of the balance of your account. The timing of the
release is determined by form of the final payment (e.g., bank check,
dealership check, certified funds, or personal check). If we are in
possession of the physical title, we will mail the title to you using the
address you have on your account. If your address has changed, please let
us know. Delivery of the physical title may also be influenced by delays
in the U.S. Postal Service. If you have not received your released title by
the 20thday following the processing of the final payment, please
contact us at titles@fifsg.com. In some states our lien
is recorded electronically. In those states, we will notify the state of
our lien release and the state will provide you the physical title. You
should contact your state DMV for their completion times because it varies from
state to state. Electronic (paperless) states
include: Arizona, California, Colorado, Florida, Georgia, Hawaii,
Idaho, Iowa, Kansas,Louisiana, Maryland, Massachusetts, Nebraska, Nevada, North Carolina,
Pennsylvania, South Carolina, South Dakota, Texas, Virginia and Wisconsin.
First Investors does not maintain a
relationship with the third-party bill payment service DOXO. First Investors does not impose a fee when making a payment with us directly
via ACH. DOXO and other companies are not affiliated with us, and you are not
obligated to use their services. If a bill pay company claims to be affiliated
with First Investors, please let us know via telephone at
800 234 0971 or e-mail us at reportfraud@stellantis-fs.com.
Yes.
First Investors does not require the purchase of any ancillary products in
order to be approved for financing. Ancillary products are
optional. Common ancillary products include:
Credit life and disability – A type of insurance, abbreviated as CLAH, that pays off your loan balance if you die or are disabled.
Extended service contract – Covers indicated repairs for a specified period or amount of mileage.
GAP coverage – Pays for the difference between the insurance settlement amount and your outstanding financing balance if the vehicle is declared a total loss or stolen. (May not cover the entire deficiency balance if the account has a history of late or deferred payments).
Maintenance – Includes regular maintenance such as oil changes, tune-ups and new tires to keep your vehicle running well.
Tire and wheel – Takes care of the repair or replacement of tires and wheels if they are damaged by road hazards that can include nails, debris and potholes.
Often,
ancillary products will be canceled when a customer pays off their vehicle
early, whether through a trade in, sale or otherwise paying down the balance of
their loan or lease before its maturity date. Other reasons can include events
such as a total vehicle loss, repossession or simply a change of mind.
If
the product is eligible for cancellation, you may receive funds for unused
premiums. Generally, there are two ways in which that can take place.
When your vehicle is paid off, you will receive any money owed as a check which
could be sent to you directly by the dealer or by First Investors. If
there’s an outstanding balance on your account, then the money you are owed
will be credited to the account. If there is not an outstanding
balance, refunds take up to 60 days from the event that triggered the refund
process.
If
you would like to cancel an ancillary product, you may call us at 1-(800) 234-0971 or notify us at compliance@stellantis-fs.com and
we will gladly assist you in cancellation.
Documents should be uploaded to the website: https://www.myinsuranceinfo.com
Contact number: 800-998-0762 Fax number: 844-302-2535.
If you need immediate assistance please email insuranceupdate@stellantis-fs.com
with the insurance declaration page.
Mail:
First Investors Servicing Corporation
Attn: Compliance Department
3065 Akers Mill Rd SE, Suite 700
Atlanta, GA 30339; or
E-Mail: compliance@fifsg.com
Facsimile: 866-390-2947
Please make sure to include the specific information being disputed and to provide any information you have to substantiate the dispute. We do not require a particular format, but the CFPB offers helpful advice concerning filing a dispute:
https://files.consumerfinance.gov/f/documents/092016_cfpb_FurnisherSampleLetter.pdf
*Consumer reporting companies and furnishers may not limit a person’s dispute rights: Consumer reporting companies and furnishers must reasonably investigate disputes received directly from individuals. For furnishers, they must reasonably investigate all indirect disputes received from consumer reporting companies. These requirements remain in place even if a person does not include or use the entity’s preferred format, intake forms, or documentation.
There are many factors that can impact your credit score. We are unable to determine how the information on your credit file impacts your credit score. For additional information regarding your credit score, you may contact the consumer reporting agencies directly. |