| 05/04/2023 |
Yes |
- 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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On XX/XX/2023, I purchased a car at XXXX XXXX XXXX XXXX in XXXX Ohio. The car was financed through XXXX XXXX XXXX in XXXX Ohio. I put a {$1000.00} down payment. My first payment in the amount of {$330.00} was due XX/XX/XXXX. The car was repossessed XX/XX/XXXX. I tried to make a payment and was told that I could not by XXXX with XXXX XXXX XXXX. She told that I did not have any redemption rights. I spoke with XXXX who told me that he is a XXXX who works with the Collections Department and helps make the decision as a collective to determine if redemption rights will be given. I asked him to please see if anything could be done. he said that he would get back with me. I called back later that day & XXXX said that a note was in my file that they would reach back out but it could be a few business days. I had my XXXX call back Monday & XXXX stated again I don't have any redemption rights and the belongings inside of my car were at the XXXX XXXX XXXX XXXX XXXX location. XXXX XXXX told us that no notice has to be sent out, i assume somebody corrected her & because she came back & said a notice would be sent out within 5 days. We had Attorney XXXX XXXX reach out to them to regarding the Ohio revised code. XXXX again stated, we have no redemption rights. My XXXX spoke with XXXX a XXXX who stated that XXXX did not have the Authority to make those decisions. He further stated that the loan would not be reinstated and they wanted the full amount to recover the car. My XXXX explained the my contract states I have a right to reinstate the loan as well as the Ohio revised code Section 1317.12. The ohio revised code Section 1317.12 also states that they must send me a notice within 5 days of repossessing the car, stating how much it would be to cure the default, if I choose not to cure the default, what their plans are with the car, the car must be sold at an auction and publicized in the local newspaper & sold at fair market value. XXXX simply stated he doesn't know the law and I should probably get a Lawyer if i want to do anything because calling there will not solve anything. Today I see that they have my car for sale at XXXX XXXX XXXX in XXXX Ohio for {$1000.00} less than what I paid & i still not have not received any notice.
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| 05/16/2023 |
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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Web |
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On XX/XX/XXXX, the company sent a copy of purchase agreement since asking for a copy after purchase XXXX, XXXX. At the onset of purchase, I informed the company there were problems with windshield, sliding door, and other mechanical issues that has yet to be resolved. Additionally, late payment fees are taken out of my bank account on Friday when payments are always due every XXXX Saturday.
On XX/XX/XXXX, I lost my job because of the company downsizing and letting go those that just started working. I was one of them. I informed the car company.
On XX/XX/XXXX, the car company called telling me that I miss one payment and they are ready to repossess the vehicle and if I do not give the vehicle back voluntarily, they will contact police to issue a warrant for my arrest. Of course, I explain that I can not pay until I start my new job. I offered the car company a copy of my offer letter with date, rate of pay, and location. The car company did not want to hear it and continued threatening me.
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| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX XXXX XXXX pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
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| 04/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Phone |
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