Consumer complaint received 2020-08-08
Company: CFS of Aurora IL LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Complainer : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX This complaint is about the dealer where I bought the car and the finance company and the reason I am combining this because both are used to be business partners till i made my first complaint to XXXX last year. I have tried to solve this issue with them but I am pasting my initial complaint and the response of CFS of Aurora. 

This business agreed to finance a car that I bought from XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , IL XXXX. The owner of the car business name is XXXX who is a close friend of the CFS owner and used to be business partners up till I contacted XXXX, then CFS removed his licensing from the dealer place. The car I bought was a rebuild which I did not know at the beginning but started giving me hard time soon after the purchase and ended up taking it to another mechanic shop that is affiliated with them as well. I was thinking the car is fixable and not a major thing but ended up changing time belt and another major repair and the car was not fixed and paid XXXX $ for the timing belt and XXXX for another major repair but with no good result. I talked to the dealer who decided to take the car and sell it to someone else and freeing me from my unfair and unjust deal, though the dealer never committed to his word and never fully freed me and let it be used by a criminal who took over the car through the dealer who clearly told me that I have nothing to do with anything with the car anymore. payment within this period made on time. surprisingly my credit score dropped because the car was never removed from under my name. I called the CFS owner and explained the situation to him since the dealer stopped answering my phone calls and I told him that I was put in this position because of his friend the car dealer and I asked him to get it to resolve in a peaceful way and no need for any sort of legal escalations. He even tried to pressure to make the payments since the other person who took over the car never made any payments toward it but when I told them I might use my legal rights against them unjust I have not heard back and things were cool for few months. Unfortunately, last month the car payment still incurred as late payments and dropped my credit score that I have been trying to build hard and the dealer possessed the car XX/XX/XXXX and I moved out of town and I am still paying for this unjust and scam that is being run by the CFS and the dealer and also the mechanic shop who is affiliated with them. 
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* I want to mention that one of the reasons made me sure that these guys are running a scam is because XXXX, the owner of XXXX XXXX XXXX used to give few people I worked with in town w-2 forms even though they have never worked for him in order to fake his actual income to avoid paying the correct tax and these people have the skills to manipulate the system so selling a lemon car to rank and file individual like me is not a big issue for them. 
* I am still struggling to build my credit because of this issue and its worth to note that I kept making my payments even while the car had all sorts of mechanical issues.

Below is a copy of XXXX XXXX owner of CFS replaying to my XX/XX/XXXX complaint. 
I am extremely confused on this complaint. There are many false statements in the customers complaint. First off, were a finance company. We received an application from XXXX XXXX XXXX for the purchase of a car under the customers name. 
We approved the deal and gave XXXX the loan to purchase the vehicle from XXXX XXXX XXXX. The customer made payments for around 6 months and then gave the vehicle to a relative to drive and had them make payments. We were successful at getting payments on the acct until XX/XX/XXXX of XX/XX/XXXX, when we could not contact XXXX or XXXX who had the vehicle. 
We were informed in XX/XX/XXXXof XX/XX/XXXXthat no one was going to pay for the vehicle anymore, and of course we continued to try and contact XXXX with no luck. The landlord from XXXX informed us that we had to come get the vehicle or it would be towed. We did. We tried for 60+ days to get someone to claim the vehicle but XXXX XXXX the customer which we have the contract, refused to pay saying he gave the car to someone else and it was their responsibility to pay. We explained that no, it was his responsibility to pay. He refused again. That was our last contact with him. 

His claiming that we are friends with the owner of XXXX XXXX is false. We used to do business together and that's it. From what we understand XXXX 's employer at the time of the loan was friends with XXXX from XXXX auto body. 
The customer is spreading falsehoods about my company which I don't appreciate. In short, he gave the car to someone who didn't pay and he is trying to get out of his contractual responsibility. 
CFS contact info : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX I have tried to get this issue fixed in a peaceful manner and I took a huge loss when I decided to let the car go back to them after all the money that I had paid towards car payments or to fix it. My only choice at this moment is to speak up about it to fair credit hopefully I can get help. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation