Consumer complaint received 2022-04-18
Company: Veros Credit, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX I purchased a vehicle from a dealership that set up financing for this vehicle ( XXXX XXXX XXXX  XXXX ). The vehicle seemed to be in great working conditions. 2 weeks after purchase vehicle began having mechanical issues. I contacted the dealership for maintenance which I was told nothing was wrong with it. 
I contacted my finance company " Veros Credit '' and was told I had an extended warranty and to fix with that. 
The problems continued i.e., the computer aka brain of vehicle died, vehicle would not start due to the computer. I called Veros credit yet again asking for a few days to make payment due to vehicle needing to be fixed because it was not working and was currently sitting at a XXXX dealership I was told that would be ok. They gave me until the middle of XXXX to make payment in which I made the payment 8 days later. 
In XXXX the vehicle then began having transmission issues i.e., hard getting into gear, gaining speed etc. I contacted again Vero credit that this was a issue and I was not financially able to pay for the loan and fixing of the vehicle. I was told they would approve a new vehicle if I went to the same dealership. This is a problem due to the dealership did not have any vehicles and is being sued by the state of Utah and numerous customers for fraud and bad practices. 
I then spoke to my dealership that fixed the computer issue and was told to fix the transmission it would be over {$6.00} in fixing the transmission. I then asked Veros credit to just add to the loan amount to allow me to fix my vehicle. At this time all payments were made and I was trying to continue to work full-time. 

Veros denied the request. I told them I was then unable to work, make the car payment and get vehicle repaired. I told them to please get the vehicle and I would find a way to pay off or claim bankruptcy.

Their was no answer to this problem. 

My vehicle sat at the XXXX dealership for weeks until I was able to find a resolution at that time I missed a payment that is when I began receiving 13-20 calls per day by various ( upwards of 6 different numbers all from Veros credit ) demanding payment, threats of if no payment I would be placed in jail, threatening of financial damage and attempting to call my employer and property management. 

I answered several calls when they would change the number and or make private number and would advise Veros this was harassment and in Utah and the US the statute for debt collection calls is XXXX calls per day, not being able to call employer or housing management. I should have recorded these calls however I only have 1 phone. I was laughed at, called vile names even told if I did have XXXX ( which I do ) that I should die! I then spoke with a family member who is a lawyer to assist with advising Veros Credit to pick up the vehicle as it is nonfunctioning and to respect my privacy and to not call more than 7 times a day at which time I was told to go to XXXX, pay my bill or else. 

The vehicle was repossessed XXXX weeks ago which i gave willingly and still to this day I receive over XXXX calls per day every day 7 days a week. Veros credit attempts to contact my family ( I have XXXX siblings not listed on any paperwork as we aren't close ), my previous employer, my property management group, personal visits to my home which i have a video doorbell which recorded threatening visits. 

I have sent letters requesting to cease the ongoing harassment, I am living in complete fear of credit and physical harm. I have even made a police report with my local police department. 

I am also looking into legal ramifications against Veros credit for harassment due to the continued threats. 

I am requesting they stop the calls and remove this debt now in violation of the statutes in regard to debt collection. As I have XXXXXXXX  as my cell phone provider and have scam shield which is to assist in preventing these calls and daily it prevents over XXXX calls per day and the other up to another XXXX calls are then blocked daily as they change their forwarding number ( s ) including setting as private or unavailable. 

This issue all stemmed from a vehicle that the dealership knew was a bad vehicle and Veros credit as their sole credit provider was well aware of the dealerships selling of lemon cars aka bad cars. As I said I did reach out several times to Veros credit, the XXXX of Utah and the State of Utah Consumer reporting agency. When I did advise Veros credit of the mechanical issues with the vehicle I was told my numerous agents ( phone ) " so what, you know we only loan on vehicles that are challenged maintenance. So deal with it! '' The dealership is now under investigation and have several lawsuits pending including mine. 

I believed I did my research for the vehicle and was blindsided by the dealership and then by the loan company Veros Credit. 

I am now financially destroyed and fear every day that i keep my phone on silent as the number of calls from Veros credit is so high that i barely am allowed 10 minutes without them calling and receiving a notification of their calls. 

This is mental torture and harassment 20+ call a day is is damaging my mental health to the point that I am in constant fear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation