Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. On or about XX/XX/XXXX, my vehicle was involved in a car accident. I made all payments on time, as agreed prior to my car being involved in the car accident. I reached out to XXXX XXXX XXXX  and spoke to XXXX XXXX, a representative at XXXX XXXX XXXX. I advised XXXX that my car was in an accident and informed her that I was out of work due to this incident and will resume payments once the car was out of the shop, which was about 3 weeks from the incident. XXXX advised me to just let her know once the car was out of the shop. After 3 weeks, I received a call from the autobody shop that my car was ready to be picked up. 72 hours later, I arrived at the autobody shop to retrieve my vehicle and was told by a representative that my car had been repossessed. I called XXXX XXXX XXXX to inquire about why my car was stolen from the autobody shop and a representative stated that my car was repossessed due to my payments falling behind by 28 days. The representative informed me that I owed approximately {$520.00}, I then informed the rep that I would be making a payment for the past due amount the following week. I also asked the rep if it was possible to pay the past due amount and retrieve my vehicle. The rep informed me that she had to get approval from underwriting before they would relinquish my property. She advised me to make my payment on the following Wednesday, so she can get approval. She called me on that Wednesday, in which we both agreed to be in contact, and stated that underwriting denied my request to pay the past due balance and return my vehicle. She stated the full balance of the car would need to be paid, in order for me to get my car. I didn't have the full balance and XXXX XXXX XXXX was unwilling to work with me. 

Not only that, under Pennsylvania law, lenders must personally deliver a written notice or send one by certified mail that a vehicle has been repossessed by a lender. XXXX XXXX XXXX failed to provide me with the legally required notices after my vehicle was repossessed. Also, XXXX XXXX XXXX falsely reported a VOLUNTARY REPOSSESSION on my credit report, which is inaccurate because they involuntarily repossessed my vehicle. XXXX XXXX XXXX also failed to provide me with any notice prior to or after the sale of my vehicle. I also was not given an opportunity to retrieve my personal belongings from the vehicle after it was INVOLUNTARILY REPOSSESSED. I also did not receive any notice of surplus or deficiency. XXXX XXXX XXXX is also reporting a past due balance of {$14000.00} which is inaccurate. My auto contract was initiated with a balance of {$14000.00} and I was paying {$100.00} weekly. XXXX XXXX XXXX has violated me as a consumer and did not properly conduct a legal repossession. I am requesting this inaccurate account be removed from my credit file and will be seeking a consumer attorney to assist me with damages.

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