Automotive Partners Funding CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
10/28/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85712	Web
On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. While out of work trying to deplete any XXXX or other resources to pay this car note of $ XXXX. and rent of over {$1100.00}. I was scheduled for surgery and was out of work for 4 months. During this time, My XXXX XXXX XXXXXXXX was only 60 % and was only arounXXXX XXXX XXXX. I made arrangements to have weekly amount of $ XXXX taken out of my XXXX check to pay to try and make payments. No alternative method was given to me to help during this pandemic. To this existing problem. A payment was made on my account while I was tending to my mother XXXX XXXX XXXX XXXX XXXX. I received a phone call from my niece that my car had been towed. I'm assuming because she parked in the wrong apartment slot but it was XXXX. After getting back to XXXX, I checked my email to see if i had any correspondence from XXXX and on XX/XX/XXXX, I received an email about a late notice for {$470.00}. I continued to check to see if i had any other correspondence from XXXX. On XX/XX/XXXX I received an email stating my payment was returned from XX/XX/XXXX. This correspondence was sent on XX/XX/XXXX ; which is XXXX plus days later when I'm thinking its paid. Now forward to XX/XX/XXXX my car was towed and XX/XX/XXXX Notice to Sell Property was sent. XXXX did not even give time to rectify the situation because it was already in motion XX/XX/XXXX payment return, XX/XX/XXXX car towed, and XX/XX/XXXX the intent to sell vehicle. Everyone knows that automobile dealers does not sell a car to benefit you at an auction. They sell a car to benefit themselves and having a balance to charge to your credit report with more interest even though the car is {$6000.00} overpriced and the interest is almost 30 %. Which is predatory lending but I needed a car. I have a mother in XXXX fighting for her XXXX life, and I have to travel back and forth to make sure she is okay and save my job at the same XXXX time. People are heartless and cruel. This is not right, its not fair to me or my family during this pressing time during a pandemic. People are struggling to make it and its people like this who are not sympathetic to others problems or issues just their pockets. When i called on XX/XX/XXXX when i returned the only thing i was emailed was I forwarded your message to management when they already knew they sent out an intent to sell. Make it make sense : XX/XX/XXXX notice XX/XX/XXXX XXXX XX/XX/XXXX Intent to XXXX XXXX is the attempt to resolve issue? Why would any human think than when a mail is sent out you received it the same day. Mailed out on the XXXX, i would not have received that notice until well after the XXXX. Why did it take 30 days to informed payment returned? In any case, it is always suppose to be an alternative to repair the default. Now, they are declaring {$18000.00}. After the {$5000.00} and the {$1500.00} down already invested into this vehicle. So, evidently this car was {$25000.00} for a XXXX XXXX XXXX ( used ). This is utterly unacceptable and is why i am forwarding the same complaint to the XXXX office.
10/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85712	Web
On XX/XX/XXXX I was taken out of work due to a serious condition that needed XXXX. While out of work trying to deplete any XXXX or other resources to pay this car note of $ XXXX. and rent of over {$1100.00}. I was scheduled for XXXX and was out of work for 4 months. During this time, My short term XXXX was only XXXX XXXX and was only around $ XXXX. I made arrangements to have weekly amount of $ XXXX taken out of my XXXX check to pay to try and make payments. No alternative method was given to me to help during this pandemic. To this existing problem. A payment was made on my account while I was tending to my mother XXXX XXXX XXXX in XXXX. I received a phone call from my niece that my car had been towed. I'm assuming because she parked in the wrong apartment slot but it was XXXX. After getting back to XXXX, I checked my email to see if i had any correspondence from XXXX and on XX/XX/XXXX, I received an email about a late notice for {$470.00}. I continued to check to see if i had any other correspondence from XXXX. On XX/XX/XXXX I received an email stating my payment was returned from XX/XX/XXXX. This correspondence was sent on XX/XX/XXXX ; which is 30 plus days later when I'm thinking its paid. Now forward to XX/XX/XXXX my car was towed and XX/XX/XXXX Notice to Sell Property was sent. XXXX did not even give time to rectify the situation because it was already in motion XX/XX/XXXX payment return, XX/XX/XXXX car towed, and XX/XX/XXXX the intent to sell vehicle. Everyone knows that automobile dealers does not sell a car to benefit you at an auction. They sell a car to benefit themselves and having a balance to charge to your credit report with more interest even though the car is {$6000.00} overpriced and the interest is almost 30 %. Which is predatory lending but I needed a car. I have a mother in XXXX XXXX for her XXXX life, and I have to travel back and forth to make sure she is okay and save my job at the same XXXX time. People are heartless and cruel. This is not right, its not fair to me or my family during this pressing time during a pandemic. People are struggling to make it and its people like this who are not sympathetic to others problems or issues just their pockets. When i called on XX/XX/XXXX when i returned the only thing i was emailed was I forwarded your message to management when they already knew they sent out an intent to sell. Make it make sense : XX/XX/XXXX notice XX/XX/XXXX XXXX XX/XX/XXXX Intent to Sell Where is the attempt to resolve issue? Why did it take 30 days to informed payment returned? In any case, it is always suppose to be an alternative to repair the default. Now, they are declaring {$18000.00}. After the {$5000.00} and the {$1500.00} down already invested into this vehicle. So, evidently this car was {$25000.00} for a XXXX XXXX XXXX ( used ).
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ XXXXX	Web
Automotive Partners Funding ( also doing business as XXXX XXXX on my credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX In regards to account number : XXXX This was an auto loan I was second signer on for my ex-spouse. We divorced in XX/XX/XXXX and in the decree my ex-spouse kept that car and all associated debt, then later that year my ex allowed that vehicle to be repossessed and then skipped out on the debt. In XX/XX/XXXX, a law firm in XXXX, AZ, contacted me on behalf of this creditor and despite the divorce decree, insisted that I must pay the debt anyway or have my wages garnished. I have good credit habits, so in order to protect my credit, I negotiated a settlement with them of {$5000.00} to ensure the account never went on my credit as a garnishment or unpaid debt. This account was " settled in full for less than the balance owed '' on XX/XX/XXXX. I obtained a letter from the legal firm, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX - ( XXXX ) XXXX, stating this fact. I thought it was done and behind me. I have attached that letter to this complaint. Unfortunately, this loan company has persistently attempted to put this back on my credit report ever since, sometimes posting as a charge-off, other times posting as still owed debt of $ XXXX, and most recently in XX/XX/XXXX, they posted it on XXXX as a COLLECTIONS account with $ XXXX owed on it. I have repeatedly disputed this and had it removed multiple times. Each time, it is gone for a while and then it comes back again. I have attached an image of how my report looked in XXXX with XXXX due and as a PAID CHARGEOFF ( which is how it looked after I last disputed it ) and another image of how my report looks now in XXXX, where they have now reversed and posted it as a COLLECTIONS account owing {$10000.00}. This has got to be illegal? It is false information that is being put on my credit report. They know it to be false information and keep posting it. I settled up with them in good faith and did the best I could by them for a debt that wasn't even mine. They are not honoring that settlement and are harassing me via my credit report ever since. XXXX XXXX ( formerly XXXX XXXX )
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85706	Web