Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to inform you that a fraudulent account has been opened in my name with ABC Autos **** I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: ABC Autos *** Opened Date: 7/3/2023 Account Number: ****************** High Credit: $18,780.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Furthermore, I would appreciate it if you could provide confirmation of the account's closure along with any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/09/2025

  Good Morning, 

  Please see the attached documents where ******************** provided all necessary information to obtain an auto loan with us. 

  Customer provided full application with correct DL # & SSN. 

  Customer DID purchase a vehicle but unfortunately DID NOT Make his payments on time and we were forced to repossess the vehicle in November of 2023. 

  Attached you will find the customer's application, purchase agreement, driver's license copies and down payment receipt copies. 

  Mr. ****** needs to PROBVE that he DID NOT PURCHASE a vehicle as all documents show otherwise. 

   

  Respectfully, 

  ******* *********

   

• Initial Complaint

  Date:02/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a car from these things in May of 2024. 30 days later while on autopay my car was repossessed 3 days after payment was due. Something went wrong with their system. I sent an email showing that the money was in my account then and at the time but they were extremely rude. Same day I end up in ***, when I got out of the hospital I went straight to the dealer sick and all because the stress caused heart issues, and wanted to pay for my car. As I spoke to the lady the owner jumped in the conversation became belligerent and then stopped talking to me period. Would not allow me pay for my car, called the cops and lied, and left before they got there. The cops knew they were on some bs so they offered me a ride and water and a/c inside of the the car lot. Fast forward screen never worked in the car from time of purchase along with sunroof, they go to fix it and put the wrong system in my car so a lot of stuff doesn't work anymore plus they destroyed my sunroof oh I have photos. It's been over 4 months and it still ain't fixed but they want their money right. Now, car breaks Friday they pick it up and take it to the shop, been calling everyday about my car until today when I was told that my car was sat aside and I need to talk to them before fixing it, what? They want to know about an accident I had months ago, I said GEICO has handled that, they said we'll show us and we'll go from there on fixing the car. My back light is cracked from the accident. My car broke down and won't go on Friday, so what does one have to do with the other. Fix it and I'll bring it to you when I pick up the car but nope. And had the audacity to think that I'm gonna give them a $700 payment, uh no you breached contract when you held my car hostage and refused to fix it days later. I did send the claim info but I will go to court before I allow them to charge me because of their f/u that's not the car that I purchased! 2011 ******* mkz

  Business Response

  Date: 02/07/2025

  Good Morning, 

  Unfortunately, this complaint is a laughable one. 

  Attached you will find the customer's contract, purchase agreement, we owe form, demo checklist, finance manager checklist, customer accident statement, and repair history. 

  Ms. ***** purchased from us on 5-6-24. 

  Ms. ***** clearly acknowledged where no repairs were necessary for her to purchase this vehicle. 

  Ms. ***** subsequently was in an accident in her car in August of 2024. See accident statement.

  Ms. ***** is due to pay her car note. We DO NOT BARTER repair work for car payments. 

   

  This complaint should be taken down and closed as it has no merit. 

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22904768
  
  I am rejecting this response because: you clearly are deflecting and further prove the disrespect which I've spoken on previously with your response to me. I don't miss payments nor ask for extensions so how dare you try and make it about payment. It's about you alls dishonesty, racist behavior, disrespectful and and down right criminal practices. I will allow my attorney to go back and forth with you before I do, I can back up what I stated and you all lie and steal.
  
  Sincerely,
  
  Druemia Diggs

  Business Response

  Date: 02/10/2025

  Ms. *****, 

  Please have your attorney contact ours. We have been in business for over 60 years with an A+ Rating @ the BBB for a reason. 

  Respectfully, 

   

  ******* *********

  Customer Answer

  Date: 02/25/2025

   
  Complaint: 22904768
  
  I am rejecting this response because:  Theft of car: Since my vehicle was placed in the shop after breaking down, I have called every day for an update after I was told that it would be repaired by the end of the week. About the 4th day after I emailed the insurance form that was requeste by ****, I called to see when my car would be placed back in the shop and repaired. I called his direct line and the owner **** answered, I stated my name but before I could say why I was calling he started speaking and said: yea your calling about your car, I said yes. He then stated that it would not be fixed, I was not getting it back, and that he was gonna keep the car until it went into repossession since I filed a complaint with the BBB. He continued to over talk me in a very nasty tone. I told him that since he was not giving it back that there is no need to call me about payment. He said that I would be delinquent and to call my attorney and have him to call and hung up the phone. This was one day before my payment was due. The next day they called for payment and I explained what I was told by the owner the day before but they would not speak about it, only asked for money. I waited a few days and called to retrieve my things from the vehicle and was told that I needed to sign a form to voluntary relinquish the vehicle first and I said no and I want my car but **** is refusing to give it to me. They then refused to allow me to have my things. I received a letter weeks later stating that it was involuntarily taken. So I called again to retrieve my personal things and again give the same response but also told that they could not do anything in my account because it was held and locked by the owner and he said that I had to sign that form they couldn't change it. So my car was stolen along with my property, cannot resolve anything because the owner is extremely disrespectful and nasty. There is no kind of business professionalism in this company except for *******. Repossess in hopes to resale vehicles. Scammers
  
  Sincerely,
  
  Druemia Diggs

  Business Response

  Date: 02/25/2025

  The customer is requesting no resolution. 

  Customer is, once again, falsifying information. 

  All of our calls are recorded. 

   

  This is the same complaint we handled earlier this month. 

  We will not barter repairs for payment as previously stated. 

  This claim should be closed as it has no merit. 

   

  Please send an adjuster or investigator by the premisis to look at the vehicle referenced in the complaint and all answers will become clearer. 

   

  -Customer was never told she would not get her vehicle back. 

  -Customer was told that in order to retrieve belongings from her vehicle that she would need to sign a voluntary surrender form as is our company policy anytime a customer is surrendering their vehicle. 

  -Customer was told that in order to pick up her vehicle from the service department she would need to make her payment in full. No cars will be released back to our client's if they are currently in delinquency. 

   

  These are standard policies and procedures. 

  Please see previously provided documents to handle complaint.

   

  Respectfully,

  ABC Autos. 

   

• Initial Complaint

  Date:02/03/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of transaction 12/30/24 Cost of car - $10000 The problem- the company sold me a "clean car" that was in "great condition" without disclosing that there was a cockroach infestation. This was not a small infestation, upon hiring an exterminator, they confirmed that the car had been infested for roughly 1 year. The professional made that assessment through an in-depth investigation, and the expertise needed to operate his large scale business employing, teaching, and mentoring multiple listened exterminators. The company who sold me the car did everything they could to hide the material fact that the car was infested, and did not sell me that car in good faith. According to the well tenured professional exterminators I hired, they told me without a shadow of doubt that the dealership knowing sold me an infested car. This transaction with the dealership was not made in good faith as they did not disclose this material fact about the vehicle. To make matters worse the cockroaches made their way into my house, in which I need to hire an exterminator for.

  Business Response

  Date: 02/03/2025

  Good Afternoon, 

   

  Thank you for forwarding. 

   

  Unfortunately: Mr ********* purchased a vehicle that was AS/IS on 12/30/2024.0

  Had we been made aware of any issues pertaining to his purchase we would have gladly paid for an exterminator to treat his vehicle at no cost to him. We were NOT communicate to about any issues from the customer. 

  We cannot fix anything we were not made aware of. 

   

  Purchased AS/IS. 

   

  Close complaint please. 

  Customer Answer

  Date: 02/08/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *********

• Initial Complaint

  Date:01/23/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a car from this dealership in less than 2 days the car would not start and the check engine light came on. I made the dealership aware and they said that they couldnt fix until I made a payment. On the 7th day of my loan the finance department shut the engine to the car off leaving me stranded- after being treated so bad o decided that it was best they take the care. They are trying to charge me for the balance on a car that had the meter changed so that the check engine light would not show

  Business Response

  Date: 01/23/2025

  Thank you. 

  We have received and reviewed Mr. ********* complaint and it has no validity. 

  Mr. ********* came in and bought a car with a discounted DOWN PAYMENT of $402.00. 

  His first payments were to begin 5/16/24. He DID NOT MAKE THIS PAYMENT or any subsequent payments thereafter. 

  Mr. ******** stated he had a mechanical issue with the vehicle in his complaint. When asked to provide ANY RECEIPT for a BATTERY he stated he had to replace Mr. ******** ultimately admitted he DID NOT have to buy a battery or spend any monies on repairing his vehicle. We have text message correspondence of this. 

  Please close this complaint as we have handled this account perfectly and Mr. ********* credit reporting is correct as he was a 1st payment default on this contract. 

   

  Respectfully, 

  ******* *********

  Customer Answer

  Date: 01/24/2025

   
  Complaint: 22847076
  
  I am rejecting this response because:
  A battery has absolutely nothing to do with a check engine light coming on and a car not starting.  They were dispatched to pick up a car that was not running.  It made no sense for me to spend money at all. Text messages can be fabricated so that would not be fair to me. 
  Sincerely,
  
  ***** ********

  Business Response

  Date: 01/24/2025

  No response needed. 

  Customer stating that he had mechanical issues for a vehicle that was covered under a warranty has no bearing. 

  Customer's credit report is currently reflecting proper balance. 

  No text messages have been fabricated as in this case the burden of proof would be on the customer proving that something was done wrong. 

  Please close complaint as complaint holds no water. 

   

  Respectfully, 

  ******* *********

  Customer Answer

  Date: 01/28/2025

   
  Complaint: 22847076
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:01/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I payed and they need to take this off my credit

  Business Response

  Date: 01/13/2025

  Good Afternoon, 

  Thank you for forwarding the above complaint. 

  Unfortunately, Ms. ********* balance is being reported properly to all credit bureaus. 

  Ms. ********* vehicle was involved in an accident and majority of her balance was paid for via an insurance claim. 

  Insurance company DID NOT cover her Tow and her Deficiency Balance at the time of her loss. 

  Her balance is currently correct: $933.40

  We will gladly work with her to make a payment plan to be able to report this as "Paid in Full" on her credit bureaus if she'd like. Please contact our customer service team in order to set this up. 

  Attached is a payment ledger and a breakdown of charges. 

   

  Respectfully, 

   

  ******* *********

   

• Initial Complaint

  Date:09/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a car back in October of 2022 it was a 2013 car for $19,000. I have been consistently making payments and 3 days ago September 7th, they reposessed my car after one missed payment. I was willing to make the payment and any fees to get the car back but they refuse to give it back. I explained how I was in the hospital in July and couldn't come home until august and how my dad has cancer and has been in the hospital as well. On top of this i am paying for my own car and my own college tution and when explaning this i begged for a reevaluation of the loan so we can renegotiate so i can keep paying with no problem. They said it was my personal problem and they don't care, ****** and ***** called me a bad person, and said im extremely rude and how theyre not helping me and don't care. As an independent college student with no parental financial support that ***** to hear when youre just trying your best. now i dont know how ill get to school or work.

  Business Response

  Date: 09/11/2024

  Good Afternoon, 

  Ms. ********* began her delinquency at the beginning of August when a partial payment was made 13 days late on her contract. 

  Our collections team began reaching out to her on 8-2-24 to collect the past-due payments. 

  We received 0 payments and were forced to recover our collateral per our retail installment contract. 

   

  Ms. ********* has the option to redeem her vehicle on or before 9-16-24 when we are required to dispose the collateral. 

  Our team has notified her of her requirements to redeem as this is now her 2nd time being repossessed in the last 4 months. 

   

  This complaint should be closed as we followed all necessary procedures. 

  Please let us know anything we need to do to take care of this as we will gladly work with our customer under our parameters. 

  Respectfully, 

  ******* *********

  Customer Answer

  Date: 09/12/2024

   
  Complaint: 22265812
  
  I am rejecting this response because:

  Despite receiving multiple statements indicating I was contacted, I have not been informed of the specific requirements necessary to redeem my vehicle. I was recently informed that my car would not be returned to me, even though I expressed my willingness to pay the outstanding amount.

  
  Initially, I explained that my father, who had been handling the car payments, was hospitalized, and I would be taking over the payments. I requested a modification to adjust the payment schedule from $320 bi-weekly to $320 monthly. Unfortunately, this request was denied. As a student working to cover my tuition, car payments, and other expenses, I was attempting to manage the payments within my means.

  
  During a phone call, when my mother mentioned my fathers illness, the representatives, ***** and ******, laughed at her. This was deeply upsetting, as they appeared dismissive of my familys situation, stating it was not their problem and showing no empathy for my circumstances. Additionally, they made the decision to take away my vehicle, which I rely on for transportation to both school and work.

  
  It was also mentioned that I was reportedly rude and disrespectful during my conversations, which I firmly deny. I have always maintained a polite and respectful tone, especially when seeking assistance. I want to emphasize that I have not received any emails, letters, or other forms of communication outlining the next steps for redeeming my vehicle.

  
  For your reference, here are my current contact details:
  ******** *********
  *****************************************************************************************
  Email: *******************************
  Phone: ************

  
  I would appreciate your prompt attention to this matter and clarification on the steps I need to take to resolve this situation.
  Thank you for your time and consideration.

  
  Sincerely,
  
  ******** *********

   

  Business Response

  Date: 09/12/2024

  Ms. *********, 
  

  Thank you for your quick response. 
  

  We have sent and attached to this complaint an e-mail advising you of the requirements to redeem your vehicle. 
  

  I, personally, followed up the e-mail with a call and let you a voicemail to contact us if you have any questions. 

  Respectfully, 

   

  ******* *********

• Initial Complaint

  Date:08/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 19, 2024 I made my first attempt to collect my form 1099C (Certification of indebtedness) and several *******s retrieved my call only to humiliate me about requesting my 1099C form. The first ******* told me I know what youre doing, you trying not to pay us. But you the one got your car repossessed because you couldnt afford to make your payments. So you need to pay us , we dont send out 1099C forms , we only send out letters. When I told her the call was being recorded she said I never gave you permission to record me. And I stated I never gave you permission to sell a car without my consent. She said well you aint getting it pay your debt and hung up in my face. I called back only to get another ******* to retrieve the call to tell me I need to seek mental help if I think it goes like that I owe them this debt and I need to pay them. I again stated. 15 USC 6801- 6805, 5 USC 552(A), 16CFR *****, 15 USC 1681, 15 USC1692(E)(7), CFR *****, CFR *****(F). Per consumer laws A charge off is considered a certificate of indebtedness which is income and income cannot be reported on ones creditreport. It is illegal to report transactions history. Therefore this account needs to be updated and deleted. I would like to opt out of this Data furnishing reporting on my credit report. I would like to sue this company for the humiliation, discrimination, verbal abuse about ones mental health and I am a mental health patient so this statement alone has caused me a great deal of pain. Please see supported uploads for detail. Also, how could I owe you for an account that is charged off never late you asked for a tax write off with the *** as a loss for debt forgiveness therefore I am entitled to my 1099C because according to your reporting the account was charged off and I was never late.

  Business Response

  Date: 08/20/2024

  Good Afternoon, 

   

  This resolution requested on this complaint has no legal standing or bearing whatsoever. 

  ******************** was provided her Repossession Status Update letter on 12/22/23. They are attached for your records. 

   

  1099-C's are only sent when a debt is being waived. We continue to report ************/********'s debt correctly with all 3 major credit bureaus. No 1099-C will be sent out. 

  This complaint should be closed as it holds no merit. 

   

  Respectfully,

  *********************************

  Customer Answer

  Date: 08/20/2024

   
  Complaint: 22167638
  
  I am rejecting this response because: it is Clear evidence that they wrote this vehicle off as a loss. They re sold the vehicle without my consent or permission. A letter informing me of a repossession does not warrant the replacement of my 1099C (Certificate of indebtedness). A charge off account is considered a certificate of indebtedness which is income and income can not be reported on my credit report. It is illegal to report transaction history. 16 CFR ***** Co signing for dealership. My rights has also been violated on numerous occasions. And as you can see he never responded to the abusive language his staff used towards me on that phone call. All he cares to mention is that he want be sending a 1099c because they sent a letter. Not considering the mental anguish Im experiencing right now from his staff humiliating me because I requested what is rightfully owed to me. My 1099C. How does that make me crazy for requesting it. Again send my 1099C within ************************************** I will be moving forward with arbitration and litigation. I also want to be monetarily compensated for there damages.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:05/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  05/22/2024 the buisness took $324.56 out of my sister in laws account for my car payment that is past due. The reason they hard her card number is because she paid my payment about two months ago, but they were not given permission to debit her account on this date, they tried my card numerous times and I assume because they couldn't get it from me they would her. Well she noticed they took it and she called and spoke with ***** and ***** said I gave them permission to debit her card, which is not true and they would need her permission not mine. Well, because of this and them lying I am now homeless. Please I need advise

  Business Response

  Date: 06/03/2024

  Good Morning, 

   

  The customer in question called in and authorized for us to run the "Card on File". We verified card information and processed the payment. 

  ********'s sister called back within 20 minutes and told us that her sister should NOT have authorized us to collect a payment off of that card. We removed the card on file and issued a credit back to the sister's card the same day. 

  The customer wanting $5,000.00 for a payment that she knowingly authorized is absurd. Funds were already issued back and the customer's sister told us about how this is not the first time or place her sister has attempted to commit this type of fraud. 

  Due to the customer living with her sister and attempting to steal from her she may have been asked to leave her sister's residence. This is not a reflection of our business or business practices and has nothing to do with us accepting any responsibility for said issue. 

   

  Please let us know if we need to provide refund receipts. 

   

  Thank You, 

   

  *********************************

  Customer Answer

  Date: 06/03/2024

   
  Complaint: 21747121
  
  I am rejecting this response because:
  The buisness in question was not called by myself and I have phone records to prove that there were no calls from me to this company, also the phone records will show that the buisness called me numerous of times and I never answered thier calls. So therefore the response from the company is not the truth, the only truth of all of this, was them putting the money back on my sister in laws card, they did do that, but I never and would never give permission to run someone's card and as a buisness they shouldn't run another person's card without that person's permission. I will be taking this matter further because the buisness is obviously not going to admit to what they did was wrong.  
  Sincerely,
  
  ***************************

  Business Response

  Date: 06/05/2024

  Thank you for rejecting our response. 

  As the money was refunded to your sister's card the same day, our team reached out to your sister and spoke with her directly and she was 100% satisfied with us returning the funds I am not sure what the complaint still needs in order to take care of this issue. 

  We record our calls and have notes on your account where you authorized the payments. 

  Not answering our calls is not going to be the way for us to do business in the future as it is actually a contingency of your loan with us that we have and keep the ability to speak with you about your account. 

  Please let us know what we would need to provide to close this complaint out as it clearly holds no merit. 

   

• Initial Complaint

  Date:03/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *** AUTO *** and do not have contract with *** AUTO ***. They didn't provide me with the original application like I asked Account number

  Business Response

  Date: 03/26/2024

  Attached are all necessary documents for ******************. 

  He was originally sold this car as/is due to the fact that he was using the vehicle for commercial purposes, Uber. 

  He is responsible for his bad debt as I am required to report his information to all 3 major credit bureaus. 

   

  ALL *** Customers are provided copies of everything they sign with us at the point of sale. 

  Please let me know if you need anything further from me on this. 

   

  Respectfully, 

  *********************************

  Customer Answer

  Date: 03/27/2024

   
  Complaint: 21483327
  
  I am rejecting this response because: A lender is obligated to issue to the borrower a Form 1099-C on the occurrence of one of seven identifiable events. One of those events is [a] discharge of indebtedness pursuant to a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt.

  Also I would like to add the fact that company ABC Autos *** Illegally issue a repossessing also sold the debt to a third part without my consent signature or permission as well as my knowledge I am not responsible for this account nor this debt  

  15 U.S. Code 1692f - Unfair practices

  A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
  (1)
  The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
  (2)
  The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
  (3)
  The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
  (4)
  Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
  (5)
  Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
  (6)Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if
  (A)
  there is no present right to possession of the property claimed as collateral through an enforceable security interest;
  (B)
  there is no present intention to take possession of the property; or
  (C)
  the property is exempt by law from such dispossession or disablement.
  (7)
  Communicating with a consumerregarding a debt by post card.
  (8)
  Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:03/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Looks like there is a possible fraudulent pyramid payment scheme going on here since he's always "past due" now how do we know the payments he gave to the numbers are who they actually say they are? Where has his money Been going *** AUTO has a main line for collection purposes for a reason. I should not be receiving calls and text messages from multiple different phone numbers that are not *** Auto I have record of these phones numbers and I looked them up in Cash app to see if they were linked to the business and they are linked to actual employee PERSONAL Phones. I feel as though I have been deceived and Scammed! I feel as though my rights have been violated and this is not right Im not sure what resolution I would like Im more hurt and scared than anything from all the threating phone calls from different numbers I receive 6 days a week multiple times a day

  Business Response

  Date: 03/13/2024

  Good Afternoon, 

  Thank you for advising us of this complaint. 

  Attached are ****************** Retail Installment Contract, Purchase Agreement, Payment Ledger, Repair Order, and Side Note Payment Schedule for the repair. Also attached are text messages back and forth between ****************** boss, who is actually the person who submitted this claim claiming to be **************. You will see the correspondence and information in the attached text correspondence. 

  As always: ABC Autos **** and its' affiliates are leaders in the industry as far as compliance. We do not/can not accept payments from any consumer without detailed transaction records (Ledgers) showing the monies collected and where they were applied to.

  Upon receiving this complaint we attempted to reach out to ************** with no response to see what resolution he would like. Because the complaint was not completed by him we feel as though it should be closed but will gladly provide ************** any copies of anything he would like. 

  As far as him looking up our/my employees' phone numbers and such that is nothing I will speak to as looking up employee's phone numbers in a "Chime" app has no legal bearing or weight in this matter. Multiple methods of contact are only attempted when our customer begins refusing to communicate, which is a requirement of their retail installment contract. Also, my employees' pay plans are not to be shared as that would be a violation of my requirements to them. 

  Please let us know how to proceed as we will need a quick response to this as ************** is currently not meeting the requirements of his loan. 

  Thank You, 

  *********************************