| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
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On XX/XX/XXXX, while parked at XXXX XXXX in XXXX SC, my vehicle was towed. I was parked in the order to go and told by an employee that I could not park there. I said that I would run in to order to go and leave in a short time. I entered the restaurant and ordered. About fifteen minutes later, I noted a tow truck. I saw a man hooking up the car to tow it away. I ran towards my car, and yelled for the guy to stop, but once he hooked up the car, he ran and jumped into the passenger side of the tow truck. I observed a red tow truck drive off with my car. I pursued the tow truck, and again yelled to the driver to stop the tow. But he continued to drive away with my car. I pursued the driver and asked him to stop saying he had no right to take my car. He then yelled out the window, Im doing what I was told. At no time did the tow drive identify himself or assert that he had the order or right to tow the vehicle. The driver sped through the parking lot where children and pedestrians were present. The driver breached the peace. Notably, there were XXXXwo white men in the vehicle, but I was unable to identify them. I did not see any signs on the vehicle. I spoke with the Manager of the restaurant who denied that he called the tow. I also asked for video surveillance of the incident. I started calling tow companies hoping to locate the company that towed my car. I then called the police hoping the tow would be reported. XXXX XXXX Police said that the tow had not been reported and the driver had an hour to report. Meanwhile I continued to call the various tow companies, and told these tow companies had not towed the car. I called the police incessantly and told that the tow was not reported. After several hours I believed that car was stolen, and police believed the car was stolen, but delayed to file the police report, hoping the tow driver would report the tow. However, the tow driver never reported to the police. And on XX/XX/XXXX, Sunday, XXXX XXXX Police called me saying that it believed the car was stolen. The Police asked me to come to the Law Enforcement Center to make the report. But unfortunately, I was unable since I didnt have transportation. So, the detective asked permission to go outside city limits. The detective came to my home and I made a police report on XX/XX/XXXX. I also made a claim to my insurance company. On Monday, XX/XX/XXXX, I received a call from a XXXX XXXX detective who informed that he spoke with XXXX. The XXXX said that he XXXX the name of my lender and discovered that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX. The detective said XXXX confirmed that it had my car, and that it had been repossessed. The detective gave me the name of the agent that he spoke with, and asked that I call. Also, asked me to confirm that XXXX had the vehicle and call him so he could close out the stolen vehicle report. The Detective confirmed that the tow driver did not follow the law that required him to notify the police once they retrieved the vehicle. Also, the detective said that the police should have been informed of the repo order before the tow driver retrieved the car. Also, said the driver breached the peace in the restaurant parking lot, and consequently that tow was unlawful and should have been terminated. Per South Carolina State Law, 56-5-2525, requires that all towed motor vehicles must be reported to the Chief or the Sheriff of the jurisdiction from which it was towed. The City of XXXX records all notifications of towed motor vehicles and classifies them into 2 distinct categories, which include vehicles towed at law enforcement direction and vehicles towed at private party direction. Per Section 56-5-5620-5670, Any time a vehicle is towed by the towing company without the knowledge of the owner or person in possession of the vehicle, the TOWING COMPANY MUST NOTIFY the municipal police chief or sheriff in the countys unincorporated areas within one hour of moving the vehicle. The Detective gave the name of the XXXX agent that he spoke with and the ID number. I called XXXX and spoke with a different agent who was rude and condescending. She refused to tell me where my car was located, and angrily said that she was trying to collect a debt. I said I had not received any notice from her company. She said that vehicle had been repossessed and that I could only get the car by reinstating the loan. Also, the agent said that I only had until XX/XX/XXXX, to retrieve the car and after that date the car would be sold. I asked for the paperwork regarding this matter, and told that it would be sent. I asked that the notice of intent be sent email because of the time. Notably, XXXX did not send a Notice Of Right To Cure Default letter as required by South Carolina. And when I inquired on XX/XX/XXXX, the agent claimed that a right to cure letter was sent on XX/XX/XXXX. However, on XX/XX/XXXX, the XXXX XXXX, said that it was not required to send notice of right to cure. Also, on XX/XX/XXXX, I spoke with XXXX XXXX XXXX and Reinstatement for several hours and both gave conflicting information regarding the account. XXXX said per guidelines it was not required to send Notice of Right to Cure to South Carolina. Also said these notices are system generated and since a notice was not generated meant that XXXX was not required by law to send it. On XX/XX/XXXX, I asked for statements regarding the account, and told that I could not get them since the account was charged off on XX/XX/XXXX. But when I spoke with the Executive Office on XX/XX/XXXX, I was initially told that it could not assess the records due to account being closed. But when I pressed the point the statements would have been archived, I was told by the agent that an internal department would have to authorize the release of these statements, and it would take 48 hours. The Agent confirmed the request and said that it would be sent by mail and email. The Agent also pressed that I had until XX/XX/XXXX to reinstate the loan, and wanted to know if I would go forward with the reinstatement. It is apparent that XXXX is attempting to intimidate and pressure me to reinstate the loan on there terms. I told him I wanted and had the lawful right to inspect those documents before I moved forward. The bottom line, XXXX did not provide a notice of right to cure as required by South Carolina. Also, the Executive Office said the account was past due after XX/XX/XXXX. And XXXX reports the delinquency ten days later. So around XX/XX/XXXX or XXXX, the account would have been past due. South Carolina has specific rules governing when and how cars can be repossessed. South Carolina allows repossession when borrowers default. Typically, however, default means a person is 10 days late on a payment. At this point, the lender must send a Notice of Right to Cure informing the borrower that she has 20 days to bring the loan current to avoid repossession. South Carolina Legal Services, After the borrower is 10 days late on your payment, the lender must send a Notice of a Right to Cure in the mail, unless the lender is a credit union. This notice should give the borrower 20 days to repay what the borrower owes before the lender can take the car. If the borrower bring payments current, the default is cured. So, if the account became delinquent on XX/XX/XXXX, XXXX was required to send the borrower a Right to Cure notice on XX/XX/XXXX. However, XXXX failed to provide notice to the borrower. Notably, one agent claimed that XXXX delayed to send the notice to cure because it wanted to work with the borrower. According to Consumer Protection Code 37-5-110, Pursuant to Code of Law of South Carolina, a Notice of Consumers Right To Cure MUST be sent to the borrower PRIOR to repossession ( regardless of the state of origin of the contract ) giving the borrower twenty days ( 20 ) days to cure the default ( Cited by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX SC XXXX ). Lenders have two repossession options in South Carolina. ( 1 ) filing a Claim and Delivery suit against the borrower, and ( 2 ) Self-help repossession, the lender can come and tow the vehicle from any location- - driveway, your workplace, the street or a parking lot. The only stipulation is that it must be done peacefully. South Carolina XXXX Services : XXXX can use self-help and tow your car as long as it is a peaceful removal. The law allows the lender to use self-help in repossessing your car, but the law also requires that self-help be peaceful. If the owner tells the repo agent to stop, any further attempt to tow the car is not peaceful. If the repossession continues, the repo agents risk liability for wrongful possession. Also note that the repo agent failed to notify police, but said in his tow report that police were notified of tow. Also, repo agent falsely reported to Par North America and XXXX that the vehicle was retrieved from XXXX XXXX XXXX at XXXX p.m. But reported to his employer ( XXXX XXXX XXXX ) that the vehicle was retrieved from XXXX at XXXX p.m., contradicting what he reported to XXXX North America and XXXX. Notably, the repo agent did not provide an address for the restaurant, but gave the zip code XXXX, and said in his tow report that the car was retrieved within XXXX County jurisdiction. However, the car was retrieved within city limits, and the zip code for XXXX is XXXX. Notably, the repo agent failed to report that he breached the peace while taking the car, which explained why the repo agent failed to report the tow and incident to XXXX XXXX Police. Pushing, yelling, and getting in a fight with the owner of the vehicle would breach the peace. Or even continuing to repossess your vehicle after you told them to stop, qualifies as breach of peace. And once the repo agent breached the peace, he loses the right to take the car without a court order. You do not have to consent to the repossession of your car, do not use XXXX, but be persistent and politely tell the repo agent to leave your property. Also note the repo agent reported the retrieval to XXXX on XX/XX/XXXX, but never reported the retrieval to XXXX XXXX Police. Also, if the car has already been repossessed, the lender ( Santander ) must send notice of Right to Redeem the car and notice of what the lender intends to do with car ( South Carolina Consumer Affairs ). I asked that XXXX send the Notice of Intent, and was told the letter was generated on XX/XX/XXXX, and it could take several days to arrive. Also, the agent advise me to be mindful of the deadline XX/XX/XXXX, to reinstate the loan. I said that on XX/XX/XXXX, I asked for the Notice and told it would be sent regular mail. I asked if it could be sent via email, and the agent agreed to send it by way of email. The Agent asked and confirmed both mail and email address. But when I asked the Executive Office on XX/XX/XXXX, to send the Notice of Intent by email to save time, I was told that XXXX was unable to do so. The Agent said their system would not allow them to send email. I noted that I received email regarding XXXX XXXX payment history on XX/XX/XXXX. XXXX lies incessantly. Also, Note that XXXX XXXX XXXX did not have lawful title to car before it sold it to me on XX/XX/XXXX. Email communications with the owner XXXX XXXX XXXX of XXXX XXXX : you sold me a car that you did not have title to and then strung me along for two months and two payments totaling XXXX, not to mention car insurance and taxes in the amount of {$800.00}. Are you kidding me! State law requires dealers to actually have physical possession of the title. Please spare me that nonsense that you have three months to provide title when you did not have the title in your possession when I purchased this vehicle. So technically, the previous owner still had possession of the vehicle because you did not register title with CA DMV. However, on XX/XX/XXXX, you gave the appearance of registering the title with DMV but did not complete the application because you well knew that you did not physically hold title. I have paid two payments, insurance and taxes for a car that was still under the legal ownership of the previous owner. As stated previously, this nonsense has made me physically ill and I will not continue. I don't care about your situation like you don't care about mine. If you were honest you would not have sold me a car that you did not have physical title to, nor would you have led me to believe that you had title at the time of purchase. You either lied to or were complicit with the bank. I would not have purchased this vehicle on XX/XX/XXXX, if I had known that you did not have physical possession of title ( XX/XX/XXXX ). It's obvious by now that you are not going to do the right thing so you leave me no choice but to make a complaint with the State 's Attorney and DMV first thing Monday morning. I demand the return of money that I paid for a vehicle you sold that you did not have physical possession of title to. I checked with the State and was informed that the seller MUST have possession of title before selling a vehicle. On XX/XX/XXXX you sent me this text ( You had a good experience when I gave you a certified check in the amount of XXXX for a car that I can't register because you can't produce title,. It's amazing how you are trying to flip this and say that I am making a big fuss over nothing. Again, you should have waited to sell the car if you knew that there was issue with the title. Moreover, you should have informed me before I purchased the car that the title would be delayed thus there would have not been the false expectation that I would receive the title soon after purchase. It has been over XXXX weeks and still DMV has not received title. But, ( I suppose to trust that the title will be here Tuesday XXXX, I won't believe until I see it. I've heard it all and I'm not impressed. I guarantee if the shoe was on the other foot, you would feel the same way. So, don't try to make me feel that I'm acting irrationally. This isn't personal, it's business! So, I'm not interested in sparing your feelings. ) and according to XXXX it was delivered to you as I stated. So why are you so upset? As far as being able to prove that I owned that car before I sold it to you I have all the paperwork to prove that ok. XXXX please understand I bought the car with my cash from the auction got the title and than put it on my credit line all prior to you purchasing it. This is a very common practice among dealers also upon getting you financed I sign a guarantee of title for the bank which completely protects you. I'm sorry you feel I don't care but that's simply not true and I do care about all my customers and there well being. I try to conduct myself in all aspects of my like to the highest standards. Would you be willing to accept XXXX in an agree to disagree kinda way? Please accept my sincere apology for any inconvenience I have caused you : ) I truly would love a scenario where you become happy and excited about your beautiful new car and your belief in me. If you feel you can truly accept my heartfelt apology ( XX/XX/XXXX, XXXX a.m. ). So what do you think XXXX?? Please don't be offended I'm just trying to come to a resolution : ) ( XX/XX/XXXX, XXXX p.m. ). How about XXXX than? ( XXXX XXXX, XXXX a.m. ) Ok I'm sending XXXX today I want to be friends again please!! ( XX/XX/XXXX, XXXX p.m. ). What address do you want it to go to? ( XX/XX/XXXX, XXXX p.m. ). Please XXXX I want to get this resolved fairly in every way. ( XX/XX/XXXX, XXXX p.m. ). XXXX XXXX XXXX & XXXX sent me the Title Your title and your parts have been sent to you I personally did it!! Your not being fair nor am I out of compliance in anyway shape or form. Why in the world would you think for one minute you've been defrauded in anyway?? In the state of California it can take up to 90 days for the title work to be completed that's the law which in no way have we exceeded that. Now I don't want to argue fuss or fight so please relax and if you don't have your title work done by at least Tuesday than you can proceed to destroy my good name and reputation if it makes you feel better ok. I'm a good guy and we have an honest business we are not out to deceive anyone in anyway XXXX XXXX we have had a good experience up until now please let 's choose to be kind and thoughtful toward each other. I'm 100 % confident you'll have all you need to go register your car at your local DMV and please make sure they list XXXX XXXX XXXX and Finance as the XXXX holder of record ( The Bank Your Financing ) went through ... Be patient please it's on it's way however because you have a loan on it you won't be able to hold the title you must surrender it to your DMV so they can create a new title in your name with XXXX as the XXXX holder which they will hold until you pay them off ok. I sent the title directly to you trusting that you will personally deliver to your local DMV ok. I again am very sorry for any inconvenience this may have caused you. And your right nothing personal I can assure you : ). XXXX good morning just following up if you received your title and light yet? ( XX/XX/XXXX, XXXX p.m. ) Please send me a copy of the registration showing XXXX as the lien holder ok. XXXX good morning can you confirm you have completed your DMV paperwork please the bank is asking me to provide that to them XXXX XX/XX/XXXX, XXXX a.m. ). XXXX did you complete your DMV title work? XXXX, XXXX, XXXX, I am so disappointed,! Ordinarily, I would have discussed this issue via phone but for health sake I thought it best to write my complaint. This ordeal has made me physically sick. I received the Title but I delayed to register because I don't want to be involved in any fraudulent activity. Also, I wanted to inspect the document further. And as expected my suspicions were confirmed. I discovered that this Title was never filed with DMV or within the time frame as prescribed by California law. Also, I noted that you allegedly purchased the car on XX/XX/XXXX much earlier than the date you originally stated. So, it is obvious that there was an issue with getting the Title, which explains the delay with getting the Title to me. Also, this explains why the XX/XX/XXXX California DMV application for transfer of Title was never completed. I guess this explains why you are so adamant about listing XXXX as the lien holder. And when I spoke with the bank, I was told that they were waiting on you to provide them the Title. But, all long I was being strung along to give you more time to get the Title. As I stated previously, you should not have sold this vehicle if you knew that there was no Title on file with DMV. And had I known this information, I would not have purchased this vehicle without that assurance. It's hard to believe that someone would do this to a XXXX vet but when it comes to greed I guess nothing is unbelievable, huh? ( XX/XX/XXXX, XXXX a.m. ). XXXX One did not have lawful title when it sold the vehicle to me on XX/XX/XXXX. Both dealer and XXXX XXXX XXXX XXXX XXXX committed fraud. XXXX XXXX never registered this transaction with the California DMV. FYI XXXX is my flooring company and they always lien every title as such I bought it from the auction and I have prove of that. Dealers operate on lines of credit with regards to cars I didn't do anything wrong I was always the bonified owner. What damages do you think you incurred?? The title was never to go to you because you have a lien on it with the bank. If you want to talk please call me because I am very fair and would love nothing more than handling your concerns. XXXX does not hold lawful XXXX to this car.
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| 12/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Servicemember |
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PAR North America a subsidiary of ADESA was complicit and involved in an unlawful repossession. On XX/XX/XXXX, my vehicle, XXXX XXXX XXXX XXXX ( XXXX XXXX ) was transported to ADESA for sale. ADESA had knowledge that I am the owner, no LEIN HOLDER. However, ADESA unlawfully held my vehicle until the vehicle allegedly sold on XX/XX/XXXX. I called several auctions in both SC and NC in search of the vehicle. I spoke with ADESA on XX/XX/XXXX, who confirmed that ADESA had the vehicle. But ADESA said it would not release my vehicle until they received authorization from XXXX XXXX XXXX. XXXX XXXX was not and has not at any time been my lien holder. I am the Title holder and XXXX XXXX XXXX XXXX XXXX was the loan originator. On XX/XX/XXXX, I faxed several documents to XXXX and the tow/retrieval company supporting that I am the lawful owner of the vehicle. I also called both companies to confirm receipt of these documents. The towing company XXXX XXXX XXXX XXXX XXXX XXXX ) said it would release the vehicle upon authorization from XXXX. On XX/XX/XXXX, I also spoke with Par North America who also said it would release the vehicle upon authorization from XXXX XXXX XXXX. However, XXXX said it needed an additional 48 hours to review my CFPB complaint. And it would have a response by Tuesday ( XX/XX/XXXX ). But on XX/XX/XXXX, I received no response from XXXX. And on XX/XX/XXXX with documents supporting that I am the lawful owner of the vehicle, I went to XXXX, SC where the vehicle was being unlawfully held. I called XXXX City Police and requested an Officers presence to ensure the peace and safety. I showed the documents and explained to the officer that I was there to take my unlawfully seized vehicle. We entered the tow yard office and spoke with XXXX, the tow yard manager. I told her that I had documents supporting that I am the owner of my vehicle and that XXXX is not the lien holder. A few seconds later, my sister ran into the office saying that my car was not there. XXXX said that my vehicle had been transported earlier that day to an auction yard to be sold. She refused to disclose the name of the auction, but said I would get notice of the vehicles location, and date and time of the auction from XXXX within five ( 5 ) days. I never received any notice from XXXX or ADESA regarding the auction of the vehicle. I reiterated that I am the owner of my vehicle. XXXX checked the VIN and noted that I am the Title Holder and XXXX XXXX, not XXXX, is the loan originator. XXXX said the auction would reject the car since XXXX is not the lien holder. She said that once the car was returned to them, she would call me to pick up the vehicle. However, ADESA did not return the vehicle, but held the vehicle on its lot until it allegedly sold according to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with PAR North America who was assigned by XXXX XXXX XXXX to do the repossession. Also, note that PAR North America is a subsidiary of ADESA. PAR said, Since it already left the Tow Agents lot ( XXXX XXXX XXXX XXXX ), I would have to get with XXXX and they give you the location where its at so you can pick it up. PAR also advised that I ask XXXX if they could do a TAKE BACK where they ( XXXX ) can bring the vehicle back to me.If PAR North had checked the VIN, PAR North would have noted that I am the lawful owner of the vehicle. Evidently, PAR North did not check the VIN before assigning the vehicle for repossession. On XX/XX/XXXX, I called SC DMV to verify some information that I had received from them on XX/XX/XXXX. DMV confirmed that the lien was satisfied on XX/XX/XXXX. DMV said the Title was released to me on XX/XX/XXXX. I said that I was told previously that the Title was sent to my po box , and was asked if I received it. I said that I never received the original title and asked if she could confirm the address that it was sent to. The DMV Agent said that it was not sent to my po box ; it was sent to a NC address. I asked for the address, but she could not provide for privacy concerns. I said that I am the owner of the vehicle ; you cant tell me where my title was sent? She said I could request that information in writing. I said I recently requested and did receive my DMV history regarding the vehicle, but I didnt see that information in there. She asked me to hold to speak to someone about getting this information. While holding, I remembered that ADESA is in XXXX NC. I XXXX the address for ADESA and when the DMV Agent returned, I asked her to confirm whether that was the address where my original Title was sent? She said Yes. She asked if this was the address for the former lien holder ( XXXX XXXX ) who released the lien on XX/XX/XXXX? I said NO! XXXX is in California. I said that address is ADESA XXXX, the auction yard that held my vehicle from XX/XX/XXXX until it allegedly sold on XX/XX/XXXX. XXXX fraudulently sent my Title to ADESA. ADESA knew before and after receipt of that Title that I am the lien holder of the vehicle. ADESA ignored both federal and state laws and were complicit with XXXX fraudulent actions. My insurance provider XXXX called XXXX on XX/XX/XXXX and XX/XX/XXXX, but ADESA refused to disclose the whereabouts of the vehicle. The car could not be sold or registered since I hold the title. My registration is active on this vehicle. On XX/XX/XXXX, ADESA told XXXX that they needed to speak to XXXX about the cars whereabouts. I along with XXXX know that my vehicle is still on ADESAs lot and that ADESA is purposely withholding it since disclosing the vehicles whereabouts reveals ADESAs/PAR North Americas complicity and involvement in this fraudulent scheme. I filed a NCDOJ complaint against ADESA and ADESA was informed of this complaint on XX/XX/XXXX. ADESA was informed that it had within 15 days of the date of the letter to respond. The deadline was XX/XX/XXXX and ADESA has not responded to the complaint.
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| 12/08/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
ADESA XXXX was complicit and involved in an unlawful repossession. On XX/XX/XXXX, my vehicle, XXXX XXXX XXXX XXXX ( XXXX XXXX ) was transported to ADESA for sale. ADESA had knowledge that I am the owner, no LEIN HOLDER. However, ADESA unlawfully held my vehicle until the vehicle allegedly sold on XX/XX/XXXX. I called several auctions in both SC and NC in search of the vehicle. I spoke with ADESA on XX/XX/XXXX, who confirmed that ADESA had the vehicle. But ADESA said it would not release my vehicle until they received authorization from XXXX XXXX XXXX. XXXX XXXX was not and has not at any time been my lien holder. I am the Title holder and XXXX XXXX XXXX XXXX XXXX was the loan originator. On XX/XX/XXXX, I faxed several documents to Santander and the tow/retrieval company supporting that I am the lawful owner of the vehicle. I also called both companies to confirm receipt of these documents. The towing company XXXX XXXX XXXX XXXX XXXX XXXX ) said it would release the vehicle upon authorization from XXXX. On XX/XX/XXXX, I also spoke with XXXX XXXX XXXX who also said it would release the vehicle upon authorization from XXXX XXXX XXXX. However, XXXX said it needed an additional 48 hours to review my CFPB complaint. And it would have a response by Tuesday ( XX/XX/XXXX ). But on XX/XX/XXXX, I received no response from XXXX. And on XX/XX/XXXX with documents supporting that I am the lawful owner of the vehicle, I went to XXXX, SC where the vehicle was being unlawfully held. I called XXXX City Police and requested an Officers presence to ensure the peace and safety. I showed the documents and explained to the officer that I was there to take my unlawfully seized vehicle. We entered the tow yard office and spoke with XXXX, the tow yard manager. I told her that I had documents supporting that I am the owner of my vehicle and that XXXX is not the lien holder. A few seconds later, my sister ran into the office saying that my car was not there. XXXX said that my vehicle had been transported earlier that day to an auction yard to be sold. She refused to disclose the name of the auction, but said I would get notice of the vehicles location, and date and time of the auction from XXXX within five ( 5 ) days. I never received any notice from XXXX or ADESA regarding the auction of the vehicle. I reiterated that I am the owner of my vehicle. XXXX checked the VIN and noted that I am the Title Holder and XXXX XXXX, not XXXX, is the loan originator. XXXX said the auction would reject the car since XXXX is not the lien holder. She said that once the car was returned to them, she would call me to pick up the vehicle. However, ADESA did not return the vehicle, but held the vehicle on its lot until it allegedly sold according to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX who was assigned by XXXX XXXX XXXX to do the repossession. Also, note that XXXX XXXX XXXX is a subsidiary of ADESA. XXXX said, Since it already left the Tow Agents lot ( XXXX XXXX XXXX XXXX ), I would have to get with XXXX and they give you the location where its at so you can pick it up. XXXX also advised that I ask XXXX if they could do a TAKE BACK where they ( XXXX ) can bring the vehicle back to me.If XXXX XXXX had checked the VIN, XXXX XXXX would have noted that I am the lawful owner of the vehicle. Evidently, XXXX XXXX did not check the VIN before assigning the vehicle for repossession. On XX/XX/XXXX, I called SC DMV to verify some information that I had received from them on XX/XX/XXXX. DMV confirmed that the lien was satisfied on XX/XX/XXXX. DMV said the Title was released to me on XX/XX/XXXX. I said that I was told previously that the Title was sent to my XXXX XXXX XXXX and was asked if I received it. I said that I never received the original title and asked if she could confirm the address that it was sent to. The DMV Agent said that it was not sent to my XXXX XXXX XXXX it was sent to a NC address. I asked for the address, but she could not provide for privacy concerns. I said that I am the owner of the vehicle ; you cant tell me where my title was sent? She said I could request that information in writing. I said I recently requested and did receive my DMV history regarding the vehicle, but I didnt see that information in there. She asked me to hold to speak to someone about getting this information. While holding, I remembered that ADESA is in XXXX NC. I XXXX the address for ADESA and when the DMV Agent returned, I asked her to confirm whether that was the address where my original Title was sent? She said Yes. She asked if this was the address for the former lien holder ( XXXX XXXX ) who released the lien on XX/XX/XXXX? I said NO! XXXX is in California. I said that address is ADESA XXXX, the auction yard that held my vehicle from XX/XX/XXXX until it allegedly sold on XX/XX/XXXX. XXXX fraudulently sent my Title to ADESA. ADESA knew before and after receipt of that Title that I am the lien holder of the vehicle. ADESA ignored both federal and state laws and were complicit with Santanders fraudulent actions. My insurance provider XXXX called ADESA on XX/XX/XXXX and XX/XX/XXXX, but ADESA refused to disclose the whereabouts of the vehicle. The car could not be sold or registered since I hold the title. My registration is active on this vehicle. On XX/XX/XXXX, ADESA told XXXX that they needed to speak to XXXX about the cars whereabouts. I along with XXXX know that my vehicle is still on ADESAs lot and that ADESA is purposely withholding it since disclosing the vehicles whereabouts reveals ADESAs complicity and involvement in this fraudulent scheme. I filed a NCDOJ complaint against ADESA and ADESA was informed of this complaint on XX/XX/XXXX. ADESA was informed that it had within 15 days of the date of the letter to respond. The deadline was XX/XX/XXXX and ADESA has not responded to the complaint.
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| 08/03/2023 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX bulging discs and a herniated disc. I have sciatic nerve damage and numbness in my left foot and legs. I have other XXXX as well. XXXX XXXX XXXX told me that I would not be charged a fee for retrieving my personal items from the vehicle. XXXX XXXX XXXX is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX XXXX XXXX XXXX hired XXXX Kentucky XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX Kentucky XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable.
Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. XXXX XXXX XXXX informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX XXXX dollars.
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| 11/22/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
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Par North America which is a 3rd party company repossessed ( stole ) my vehicle on XX/XX/. I was not given proper notice from the original creditor, XXXX XXXX XXXX which a complaint will be filed against them as well. I did not receive a letter from XXXX the original creditor until on or about XX/XX/XXXX and it is dated as mailed out XX/XX/, however my vehicle was repossessed ( stolen ) on XX/XX/.
Par North America is a 3rd party company that was not given permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. I never entered into any agreement or contract with this 3rd party company who stole my vehicle. They are now threatening to sell my vehicle on or about XX/XX/XXXX without giving the proper notifications and without giving me enough time to respond to their threat to sell my vehicle.
I sent them documents via email and fax and a letter for them to cease the sell of my vehicle and to return my vehicle for violating laws, statutes and codes.
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| 08/24/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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PAR North America is attempting to seize my property on a debt that they can not validate nor verify. PAR North America has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
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| 01/22/2024 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 08/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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| 08/24/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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| 02/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Fax |
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