| 10/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have a XX/XX/XXXX XXXX XXXX that I purchased from Auto Connection in XXXX NC. In XX/XX/XXXX. It is financed with Michael Wayne Investment. There are some unresolved repair issues that is a ongoing issue sense I bought the car. I bought a extended Warranty and took the car in to be repaired in under two weeks after i bought it. The repair shop replaced a broken motor mount and transmission mount and told me the car was fixed but when i left the shop it still had the same problem. After taking it back to the dealership several times the issue never got diagnosed because of lack of concern by the dealership and their service manager, XXXX. XXXX was very rude and impossible to work with. I contacted Michael Wayne Investment out of frustration. It was at that time I was instructed by XXXX XXXX to stop making my payments until the repairs were resolved. So I did not make the payments. I started to get calls from their automated service everyday XXXX to XXXX times a day. I noticed when i would get in my car I heard a anoying beeping. Then my car would not start because they had it turned off by past time. Then because the repairs still have not been made XXXX XXXX started asking me when I am going to make my payment. So I started making the payments again, but because XXXX XXXX told me not to make several payments they are still calling me even the day after I make my regularly scheduled payments and tell me I am behind on my payments. I get calls early in the mornings all through the day and into the evening, and Sometimes tMy car wo n't start because they turn it off. I have asked them to stop harassing me with the phone calls and told them I 'm not behind on my payments because XXXX XXXX told me not to pay. I am stressed out bad because my account is past due and I am being called all the time. I never know when I am going to get I'n my car and it wo n't start. I am a poor person with a single income and I live paycheck to paycheck. I ca n't make more than XXXX payment at a time. it is wrong to treat customers this way. I wish I had never bought this vehicle. It is a bad car for my family. It has been in the shop XXXX times already sense XX/XX/XXXX and still not repaired. I do not have another vehicle to drive while this one is in the shop so many times.
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| 08/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I bought a car two years from Auto Connection in XXXX, Va two months after purchase the engine seized up in the car.. this was XX/XX/XXXX.. I was told I had a warranty on the car come to find out this was not the case XXXX later I get my car back. All through XX/XX/XXXX I had numerous problems with the car, In XX/XX/XXXX I contacted them again about the engine ... because they put a used engine in the car, I told them the engine was getting ready to go again, I was told to drive it over 70 miles from my house to the dealership I told them it would seize up.. in doin so the engine locked up. For 5 mths I have paid on a car that has not ran, once again I contacted them, once at my expense I got it to the dealership I was told it needed various things, then I was told to go to the dealership and look for another car they would take mine on trade, when I arrive at the dealership my car has MORE damage then when it left, keep in MIND MY Finance COMPANY MICHAEL WAYNE advised me to go.. : short and long I offered a settlement amount on car and was denied because there is XXXX damages done to my car I owe XXXX loan is current and my option is to pay on a NON running car or I have to get another LOAN from them to make the current one go away ... I feel as if I 'm being held hostage OH, I failed to mention they offered for me to FINANCE the damages done to my car when originally I was told if the car was paid to a certain amount the loan could be wiped clean ... Let, me add XXXX is the one who told me to DRIVE the car after I said it was NOT drivable and he said it was goin to need an engine, he is also the ONE who said if the loan got down to XXXX the rest could be wiped cleaned, I hold XXXX responsible for this mess he has played XXXX thru this whole mess, several people have tried to clean up his mess and I 'm grateful for them ... but Michael Wayne is NOT looking at their liability in this mess in my opinion
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| 10/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I had a loan with XXXX XXXX Investment XXXX XXXX XXXX XXXX in XXXX however was unable to continue to fulfill making the payments and returned the vehicle which I was advised by the salesman during purchase that would be perfectly fine. I was then garnished for the first time in XXXX however never received any notification from VA XXXX XXXX XXXX as I reside in XXXX, VA. I never received any information about the debt or even that the vehicle was auctioned which is standard process. I did not know what happened as I never received any information or phone contact. This is illegal as I should have been given the opportunity to go to court when this was a warrant in debt. I believe this company purposely did not send me any information so I would not come to court and unable to argue the debt. I feel forced into this accepting the garnishment or debt because I was not given the right to a court date. I have advised the company I am unable to afford this debt as a single mother and I also feel they are personally attacking me as they continue to begin the garnishment process during my birthday month of XXXX and prior to the holidays. I paid {$350.00} per paycheck in this garnishment as I was garnished twice last year and the amount showed I owed $ XXXX in XXXX now it is {$14000.00} in XXXX after paying payments in the garnishment. The company is very corrupted and what they are doing to people is illegal. It should be illegal to charge anyone these amounts of interest. I believe I paid this car off as the car was worth {$3000.00} yet on the lot for {$10000.00} however I paid a year worth of payments at {$380.00} paid into a garnishment last year and they have begun another garnishment. I am at the point of losing everything because of this company and I do not understand how this is even legal. They broke fdcpa laws and many other regulations yet they are allowed to continue to do this to people.
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| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I lost my job in XXXX due to the coronavirus and was not able to get unemployment I been filing and calling and appealing my claim but still no money I lost my house and staying with my parents I told this company that and they have a device on the car to stop it with no payment. Do they stop my car I told them that I finally found a temporary job its temp to hire and it starts this Monday XX/XX/XXXX I sent the email and ask please send a signal to my call so I can go sign my paperwork to start they told me Im behind on my note and that they would not be able to send the signal unless I pay XXXX dollars I cried on the phone begging and pleading eith them I told them I didnt have it that my family has helped me since XXXX I can give them XXXX dollars and with my fist check in XXXX I could pay XXXX every two weeks they told me no and the guy XXXX was very rude abs belittling and I ask to speak to the manager XXXX and he told me she was in a meeting and that the information came from her I cried I said please let me talk to her he told me she would call me after the meeting its now XXXX on Friday XX/XX/XXXX I guess shes still in the meeting this is the worst company to get a car from I will never do business with them again I told them to come get the car I have been through too much this year I lost my XXXX to the XXXX and I lost my XXXX to XXXX/ the XXXX I lost my house my job and now my car
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| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
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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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I made my last car payment on XX/XX/2022 and was told that they would defer the late payments to the end of the loan. My next payment ( which would have been current ) was due on XX/XX/2022. I was not able to make that payment then but had to wait a week. On XX/XX/2022 I rescinded my rights according to to Title 15 USC 1635 ( a ). I sent in a letter notifying them of this right that I was applying. I also noted subsection ( b ) of Title 15 USC 1635, and the clause which states " If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.
Two days later they came and took the vehicle from my driveway. Today ( XXXX XXXX ) I called to have them return the vehicle. They told me that I would have to pay off the remaining balance of about {$18000.00} in order to retrieve the vehicle.
This is a violation according to Title 15 USC 1635.
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| 02/08/2022 |
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 |
Servicemember |
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Hello my mother passed away and I had a XXXX XXXX and is in the hospital but they are transferring me to the behavioral health unit where I won't have a phone or anything to the outside world. I don't know how long I'm going to be in here I am asking for help with my car note for about two months give me until XXXX so I can get the help I need and go back to work my mother use to help me with my bills I'm in college so I was only working part time I don't have any income coming in at this time I call this company basically begging for help and the rude girl didn't even acknowledge that my mother was dead. I have never had any problems before and this is why I am writing company I spoke to XXXX and she said I needed to make a payment i advise her I can't pay I don't have money this company is very insensitive and not understanding at all this is one of the reasons I'm in the hospital stressing I'm stressing over my car
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| 02/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.
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| 10/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
Servicemember |
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Back in XXXX, my wife and I went searching for a vehicle as she needed transportation to take my XXXX son to various XXXX. The sales guy there was extremely pushy with my and I, his assistant was extremely rude toward my son even making a remake about my son who was crying. This was all driving up my XXXX trying to just get out of there. The sales guy ran both of our credits and said only I can sign for the vehicle, printed out a spreadsheet and showed us those vehicles. Then he only spoke with my wife, practically ignoring me until it was time to sign the paperwork and was basically hurrying me not really letting me review the paperwork.
What they didnt tell me is that car loan was for more than what the car value was worth. I dont even know how that is possible with a car loan as it was a car loan???!!!
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| 12/19/2019 |
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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Web |
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This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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| 05/21/2017 |
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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In XXXX I turned my car over for voluntary repossession ro Michael Wayne Investments. Since then I had not heard anything from the company. I do n't know if the car was auctioned and if the so what the balance was remaining if any. In, XXXX of XXXX the civil suit for the amount of XXXX in which at the times I disputed to the company in writing but the letter was unanswered. Now, they are garnishing my paycheck for over XXXX but I did n't receive anything in the mail about the garnishment only when my job informed that the money was going to be taken out.
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| 06/03/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Servicemember |
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I had a Company closed my account in XXXX with a {$0.00} balance. Now in XXXX i received a garnishment XXXX my payroll with {$400.00} to {$600.00} being taken out every two weeks without warning. They said they notified me but when i called the clerk of court, it was sent to an address that i haven't lived at in over XXXXyears. It almost cost me my home multiply times my family was almost evicted which caused me hardships and stress at work. In XXXX the debt limitations for auto loans are 4 years.
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| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates
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| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Michael Wayne Investments is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,
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| 01/30/2023 |
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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I have been paying double payments on the car an they disabled the car an won't let me earn money to get back on track
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| 07/01/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This company still have debt as paid in full and have not removed from my credit report.
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| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 01/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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| 07/21/2020 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
Servicemember |
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| 03/05/2020 |
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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| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 11/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Postal mail |
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| 03/31/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 05/23/2016 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
Servicemember |
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| 05/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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| 12/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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