Consumer complaint received 2023-04-22
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX ) XX/XX/XXXX I purchased a XXXX XXXX XXXX seller assigned its interest in the contract to XXXX XXXX  XXXX in the loan amount of {$91000.00}. 
XXXX ) XX/XX/XXXX, The vehicle had Sudden acceleration when stopped, the vehicle smashed iron security gate, crashed through the reinforced concrete wall. 
XXXX ) XX/XX/XXXX, designation of attorney to XXXX office of XXXX XXXX at XXXX XXXX, CA filed lawsuit against XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX XXXX referred an auto repair shop, the vehicle towed to XXXX XXXX XXXX XXXX XXXX.The lawyers office has advised the body shop in numerous times that the XXXX car is in litigation and should be preserved as it and is component parts are material evidence with the claims in this case. 
XXXX ) I keep paying the monthly mortgage payment {$1600.00} to US bank since XX/XX/XXXX though the vehicle is not operable, waited for trial of litigation. 
XXXX ) Suddenly, A letter mailed to me from US bank dated XX/XX/XXXX notified that the bank to sell the vehicle at private sale after XX/XX/XXXX. US banks agent, auto secure recovery repossessed the vehicle from XXXX XXXX XXXX XXXX XXXX, the bodyshop had received payment of {$20000.00} in cash on XX/XX/XXXX for parking fees. Neither Myself nor my insurance company, My lawyer had received notice from the bank before they authorized the payment and had lien against my account. My attorney office and me had contacted with US bank to find out who had authorized to pay the {$20000.00} in cash without verified or notified to me as the holder and owner. I was told that XXXXXXXX XXXX XXXX XXXX misrepresentation that the vehicle owner abandoned subject vehicle, they intentionally failure to disclose the fact of pending litigation with XXXX XXXX. There are missing parts and body shop spoliation of evidence with the claims in this case. several tows by the body shop to auto secure recovery and retrieved, they damage the evidences, the parts lost. The delay of the trial and inspection of XXXX XXXX caused the body shop to defraud me of {$20000.00} for parking fees. 
XXXX ) Twenty three months after the accident, the defendants technicians finally came to my place to inspect the vehicle. 
XXXX ) Theres no estimate or any contract with XXXX XXXX XXXX.the body shop did not repair the vehicle. I'm the customer who paid auto mortgage as scheduled every month and did not break the contract. Why US bank pay {$20000.00} parking fees to the body shop so easily without notify or consulting with their customer? After that, My lawyer and me requested explanations from US Bank. Whats department and who authorized the {$20000.00} in cash payment to the body shop, but the bank dragged and ignored to respond. Now XXXX 's is unwilling to bear the losses caused by their delay in inspected the incident XXXX vehicle. US bank need to explain and remove the lien against me. Please investigate all parties of US bank, XXXX XXXX XXXX XXXX XXXX related to this frauds. Who actually received /shared the {$20000.00} parking fees?

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