First Texas Auto Credit, Inc. CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/25/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 11553
Web
On XX/XX/2021 at around XXXX in the morning First Texas Auto Credit illegally repossessed my vehicle from me when the vehicle is fully paid for!!! I sent First Texas Auto Credit a affidavit of truth citing the law and they repossessed my vehicle. Again I will state everything all the violation that First Texas Auto Credit has made ... ... 15 usc1692i States - any debt collector Who brings any legal action on a debt against a consumers shall - ( 1 ) In The case of action to enforce an interest in real property securing the consumers obligation, brings such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in case of an action not described in paragraph ( 1 ) Bring such action only to judicial district or similar legal entity- ( A ) in which such consumer signed the contract sued upon or in which says consumer resides at the commencement of the action. ( b ) nothing in this sub chapter shall be construed to authorize the bringing of legal action by debt collectors .... 1692h ... defined Payment in commerce is defined as the performance of duty or Obligation or discharge of debt or liability Also 12 usc 411 it is also illegal for anyone outside the federal reserve board to use federal reserve notes ( FRNs ) they have been demanding FRN as a form of payment ( Art. 1, Sec 10, clause 1of Thr constitution. ) I made clear of the law and violations that First Texas Auto Credit has done with valid evidence and they have stolen my vehicle from me ... .. The consumer use with reference to a credit transaction characterize the transaction as one in which the party to whom credit is offered or extended is a natural person and the money property or services which the subject of the transaction are primarily for personal family or household purposes! Which I have Numerously made very clear to First Texas auto credit! My Vehicle had been fully paid for and this is fraud!!! 15 usc 1692g ( c ) The failure of a consumer to dispute the validity Of a debt under the section may not be constructed by any court as an omission of liability by the consumer!!! Next 28 USC 3002 consul for United States either you work directly DOJ or any applicable agency and if youre not with said agencies you are private as in every state Attorney General every debt collector attorney no one has a direct contract to collect obligations and services of the United States 18 USC 8!!!! I demand my vehicle back with the full title, my family have endures enough pain and suffering behind First Texas Auto Credit lack of professionalism and complete violation of the law! we wasnt even given 72 hrs to recover our personal belongings in the vehicle. All of this as cause great teams to us, in these trying time during the current pandemic. They have made matter worst for us with their lies and fraudulent activities.
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TX
  • 78253
Web Servicemember
On or about XX/XX/XXXX, XXXX and XXXX removed my paid in full : account for First Texas Auto Credit. First Texas Auto Credit has been reporting this account to both XXXX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with 1st Texas off in full. XX/XX/XXXX, I in writing requested that 1st TX Auto, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, The First Texas Account Credit Account was DELETED from my XXXX, and XXXX credit reports. I did not authorize or request the deletion of the 1st TX Auto Credit account. I contacted XXXX on XXXX XXXX, XXXX and requested that the First Texas Auto Credit account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact 1st TX Auto Credit and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at 1st TX Auto Credit and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( 1st TX auto ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by 1st TX Auto. At this time. The 1st TX Auto Credit is currently missing from both my XXXX and XXXX credit reports. The account was removed from my credit reports without my consent. The 1st Texas Account had been on my credit reports for at least three and a half years before this account was deleted without my permission.
03/23/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77338
Web
Hello, I have an emergency, I dont know what to do my car was taking repossessed in morning on XXXX XXXX XXXX XXXX XXXX license plate XXXX bought from XXXX XXXX XXXX and the loan company First Texas Auto Credit approved the loan for {$13000.00} Current balance {$6400.00} Ive been trying to get my car back from the repossession company by going through the creditor and they basically to me I was 54 days behind on my payment I would have to resubmit 10 new references and proof of employment, insurance and {$1600.00} and in cluding storage fees, my car note is only {$37000.00} a month they on only had possession for a day and a half why is itt so high but I wasnt going to be difficult about Ill pay it, she then advise me after I give her everything she ask for, theyll contact me me later to tell me their decision if I getting my car back, now its been day six and I still havent heard a thing from them or even given access to the car to retrieve personal property very important and expensive things are in our car my wifes and I have never been late on the notes but this on, car needed some repairs done we gon na pay the remaining balance soon we gotten our taxas back, Thank you, Please stop them from bullies us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX
08/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 11553
Web
Hi my name is XXXX XXXX and this is my second complaint my car was repossessed on XX/XX/2021 at XXXX in front of the homeless shelter that my family and I stay. When I found out about the repossession I was told that I could not get my vehicle back even when offered to pay the full balance. First Texas Auto Credit has not made any adjustments to help with payment my family and I. I have mailed them affidavit of their violations. And they still repossessed my vehicle, Even MrXXXX XXXX XXXX one of their reps XXXX was very rude even sighting that we are homeless and I dont know nothing about this business. Their actions is atrocious and unprofessional, because the same position that my family is in due the current pandemic can also happen to him Mr. XXXX. I am demanding my vehicle back, with the title because First Texas Auto Credit has made several violations according to XXXX. And cause major pain and suffering to my family and I.
07/18/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 76148
Web
I am financially going through a difficult situation and this company will not work with me on my account. I called and spoke to my account handling person and she stated they can pick up my vehicle because I can not make a full payment. I feel that they are violating my rights as a consumer all I asked for was for them to take a partial payment so that I can try to make an attempt to keep my vehicle. My account representative was very rude and hostile. She has no customer service training and should be taught how to treat people with respect. This company should be investigated due to their horrible tactics. I have not received anything in writing indicating they have the right to pick up the vehicle. Please assist. Last 4 digits of my ssn XXXX XXXX XXXX XXXX XXXX XXXX
06/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NY
  • 11553
Web
On XX/XX/XXXX Texas Auto Credit have threaten to repossess my vehicle and harassed closed friend and family over a my XXXX XXXX XXXX XXXX. I was also threaten that the vehicle would be removed from me even when I shared medical and personal reasons for the use of the vehicle ; then I made it very clear of my financial situation due to the current pandemic and I was still denied for this vehicle. Also, to my understanding according by federal law that if a firm/company is caught taking cash in a credit sale is illegal ( Title 15 usc 1601, 1602 & 1605 ). I have already paid {$8900.00} toward this vehicle towards illegal activity. The constant harassment calls to me and my family and friends has become very heavy on my family and I.
10/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Account reinstatement or redemption after repossession
  • TX
  • 797XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX repossessed my vehicle after only being 20 days late due to unexpected expenses. I reached out to the lender and I was told the vehicle was going to auction and there was nothing they could. They did not reach out to me or any of my 5 references that they demanded I provided. Came and picked up vehicle on the middle of the night and refuse to reinstate it.
10/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TX
  • 752XX
Web
Following months have not been reported and my payments were made on time. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX have not been updated.
07/18/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 76053
Web Servicemember
05/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76014
Web
03/25/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77073
Web
11/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76014
Web
05/19/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76022
Phone