Consumer complaint received 2021-08-12
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I don't deny that we I am behind on my payments with Flagship Credit Acceptance. I will admit that. However, it is their tactics that they use to try and collect payment and the numerous voicemails they leave, not on my phone, but my husbands phone and my husband isn't financially liable for the vehicle, as he isn't on the loan, just listed as a contact. Between XX/XX/XXXX, XXXX XX/XX/2021, this company has called my husbands number 8 times a day, some have left voicemails, some haven't. Their agents leave messages that if I don't make payment they will repossess the vehicle and they constantly state that in each message. That being said, they contact between XXXX XXXX  and XXXX XXXX  daily usually, at least eight times a day, usually a different representative each time, threatening repossess of the vehicle. 

I unfortunately and have stated many times to Flagship that I have undergone, medical hardship, I have had XXXX XXXX, XXXX, XXXX  XXXX  performed in the last year, along with numerous tests done for XXXX XXXX XXXX XXXX XXXX XXXX. I have willed to give all my medical paperwork to Flagship to honestly prove medical hardship. Some representatives seem to care, while others still will yell at you for payment. 

That being said, the last conversation that we had which was on XX/XX/2021, I wanted to enter into agreement to payment agreement of {$1400.00}, which is the past due amount and I unfortunately need until XX/XX/2021, as that is when I will have the money to secure for the past due amount. They asked if I could pay anything prior to that, as I told them, I unfortunately had to come out of pocket for an additional medical expense, they really didn't want to hear it and they demand payment by XX/XX/2021 or they will start the process of repossession. 

I don't want to lose the car as I need a dependable means to be able to get to my medical appointments, etc, that require a lot of time. I understand, that I still have obligations towards making payments on my vehicle, but at the same time, they should truly understand the procedures that I have gone through and what all is involved and at least try to make the payment more affordable for me for the time being. I'm reduced on the hours I can work, along with what I can do, because of the XXXX and I can't risk XXXX XXXX XXXX. 

That being said, I'm willing to pay the amount due of {$1400.00}, that is past due, but I need until XX/XX/2021, as that is when I can secure payment for it. 

I'm asking that Flagship please stop contacting my husbands phone constantly and leaving threatening messages of repossessing the vehicle and put any consideration of repossession off as I explained my medical hardship and allowing me to pay the past due on XX/XX/2021. 

As well, I would like Flagship to train their employees to be more respectful towards customers, them not knowing everyone 's situation. When I have to constantly tell them what medical procedures and what I have been through between XXXX  and appointments, I don't enjoy having to explain that to them constantly, as to why I have fallen behind on my car payment, but that doesn't validate them to threaten repossession or their employees to be disrespectful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation