CJA Auto Sales, Inc. CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/20/2016 No
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • AZ
  • 85392
Web
I purchased a XXXX Cadillac CTS on XXXX XXXX, XXXX with my daughter. On XXXX XXXX, my daughter made the first payment of {$200.00} by money order. On XXXX XXXX, XXXX, the collections manager began calling and stating that the account was past due. I disputed his statement by stating that the first payment was made in full. On XXXX XXXX, XXXX, the collections manager called again and stated that if the account was not brought current that he could " not secure the loan. '' I again told him that the first payment was made in full by money order. The collections manager repeatedly argued with me and stated again that he could " not secure the loan. '' On XXXX XXXX, XXXX, when I exited my workplace at XXXX, the vehicle was not in the parking lot where I left it. I immediately called the collections department at XXXX XXXX and the party who answered hung up on me. I called back a second time and my call went to voice mail. I presumed the vehicle had been ordered repossessed by the collections manager who argued with me on the week before. After filing my complaint with the Arizona Department of Financial Institutions referred to as AZDFI by XXXX, I was provided a copy of my account history. The record indicated that I did make my first payment by money order # XXXX in the amount of {$200.00}. However, the employee who accepted the payment recorded it as {$87.00} leaving a balance of {$110.00} on the account. The incorrect entry upon my account made the account appear delinquent when it was not. My vehicle was ordered repossessed even though my account was not delinquent. The owner of the company, XXXX XXXX, conspired along with his collection manager to endorse their illegal actions as a valid repossession. The company also retaliated against me and my daughter by reporting the false information to the credit bureaus in violation of the Fair Credit Reporting Act.
02/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AZ
  • 85207
Web
I was served a civil complaint for a debt for an auto loan by CJA Auto Sales, INC. around XX/XX/XXXX. I had cosigned an auto loan with my now ex-wife. We were divorced in XXXX. The court documents states that the loan was breeched/default on XX/XX/XXXX. ( Ex-wife told me she paid it off, thats null ) In Arizona, that statue of auto collections in 4 years. I should never have received this. I contacted CJA Auto Sales, INC. and they explained that they did not know where my ex-wife was, so they are going to get the amount from myself. In good faith and not knowing any better, I verbally agreed to pay {$250.00} on the XXXX per month. CJA, Auto Sales, INC does not allow online payment. You must call in to make a payment. Only one person can take the payment, somedays they aren't there etc. So it forces you to be late making the payment. Each month, I have called, I have asked for a receipt. I have been told the receipt is the payment on my bank account. They do not issue receipts. Each month, I have requested a statement. I have been told no, or its in the mail. It now has been one year, and I still have not received a statement. I do not know how much is owed? I do not know what has been paid, or what " fees '' I have accrued. I have requested the paperwork and documentation of what the car was sold for, the original loan and the documents I signed. I was told they do not give that out. I just requested an End of Year Statement in XX/XX/XXXX, still has not come. I have now made a total of 12 payments at {$250.00}. Based on the court documents I owe {$5500.00} I have not been told my account number or loan number. I understand my responsibility as a cosigner, I also have the right to the documents I am requesting. I am requesting receipts, original loan documents, current the statement.
06/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AZ
  • 85345
Web
I have spoken to XXXX at this company several times and come to find out, she is recording my phones calls without telling me that they are recorded. I found this out through another customer that is having the same issue with this company. This company has used scare tactics and threats to me and my husband. I have repeated several times told this company that my husband and I do not have money to pay and I have even sent them documentation proving my XXXX status with Social Security and my husbands status. They still are pursuing us and making threats, the last phone conversation I had with XXXX , she recorded it and did not advise me of this, or the fact that this was attempt to collect debt, never have they said this to me during any of our phone conversations. This company is using unfair collection tactics that are against the law and I would like them investigated please. I have heard countless stories about them and I also have my own experience. I have been in contact with an Attorney and will file a law suit for this unlawful behavior. I have told this company and even provided document to further prove out financial situation. We are filing Bankruptcy in a very short order and I have also told them to stop contacting me and I still get emails from them.
06/14/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NV
  • 89032
Web
Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .
09/22/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • AZ
  • 85023
Web
CJA Auto Sales INC, came to my residence when I was not home. A respesentaive placed court document on my door without getting a signature from me. Now I have 20 days to answer this complaint. I have went to credit companies for help CJA stated that I have the vehicle in my possession. The vehicle was repossessed after missing one payment. The agency is suing me for a remaining balance owed after the repossessed vehicle was sold in an auction. I also feel the vehicle was not of that value. I feel this is an harrassment to collect money.
12/21/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85138
Web
Arizona Statute of limitations on this auto loan debt is met on XX/XX/XXXX, First delinquent date was XX/XX/XXXX, this a JOINT account NOT the primary holder. The original creditor and debt collector CJA Finance inc reporting the same account on XXXX & XXXX XXXX reporting to XXXX & XXXX which is a clear violation. This dispute also being sent to all three major credit bureau.
02/14/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IL
  • 60805
Web
06/30/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AZ
  • 85345
Web
01/04/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85206
Web
11/21/2014 No
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AZ
  • 85029
Web