Clearwater Credit Co LLC in Rochester, NY

Don't do it

These people are incompetent. My mother passed away December 2013 from cancer after several hospitalizations. Prior to her passing, she missed payments during those hospitalizations and this company harassed me every time, even though I told them that I a) did not cosign for this loan, and b) my mom was in the hospital, so leave me alone. I understand they needed their payment, but back off of ME. Anyway, after she died and I was taking care of the details, I contacted Clearwater to inform them that she had passed and that there was no estate, and asked how to take care of the vehicle. They informed me that the would have the vehicle towed from her residence within a couple of weeks and send me a letter confirming they were going to just close the account, but that I needed to provide them with a copy of her death certificate. I immediately sent them one, and they picked the car up and sent me the letter. For six months, they proceeded to call me, my 16 year old sister and other family members trying to get in contact with my mom and collect money. Every single time, I called them back and reminded them that she died, they closed the account and to back off. I told them that under no circumstances were they to ever call my minor sister again, as well. All has been silent until today. 11/23/15 when I received mail addressed to deceased mother from this company attempting to collect on her account with threats of legal action. GO AWAY.

Worst experience I have ever had dealing with any auto financing company. DO NOT DO IT. If it was possible I would give no stars