Consumer complaint received 2021-03-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received calls continuously in more than 4 times from XXXX XXXX an debt collection agency contracted by Popular auto and XXXX XXXX XXXX XXXX bank trying to collect a debt that i don't owed for car vin XXXX INSURANCE POLICY # XXXX that i bought in XX/XX/XXXX and gave in payment advance my XXXX XXXX XXXX with a value of {$22000.00} where I paid more than {$75000.00} having it from XX/XX/XXXX plus {$4500.00} cash and make payments of 27 months and tried to recover my car 3months later after car accident property loss and Banco Popular refuse to give me my car back because they are in process of selling to other person and refused t stop the transaction because they went to dealership and request a car key to used after 20 days the car been left on bank location, they did nota call me to verify car conditions and the debt they proceed to sell it without my permission and without my authorization and concern because there are contract with 2 parties not only them I paid from XX/XX/XXXX to XX/XX/XXXX more than {$85000.00} much more the amount that I financed in illegal and misleading practices performed by Banco Popular, Popular Auto, XXXX XXXX and XXXX XXXX they discriminated against me and provide me not equal conditions to other applicants in less favorable conditions and discriminate against me due to my origin, gender, social status, civil status as divorced women, owned small business and after XXXX XXXX they did not gave me any help neither provide me options to hold my properties they committed depredatory actions to removed my propertes such my XXXX XXXX XXXX XXXX fter XXXX and 5 months of payments, my XXXX XXXX XXXX XXXX XXXX XXXXXXXX after 5 years 1 month of payments and after paid more than {>= $1,000,000} in all thins for the vessel and for the car to be a functional unit they violated my rights and make depredatory and misleading acts they did not gave the insurance certificate of XXXX ( " XXXX de XXXX XXXX XXXX '' ) in XXXX as the laws state, they did not explained terms of the loans and transactions so they committed dishonest and not legal action to obtain or win more money, they hold my money of a certificate of deposit when they removed the property and assign higher interest and keep the advanced payments for their sell and received insurance money and sold my properties against the laws in clearly misleading and depredatory acts, they did not reported to my credit report that I paid in XX/XX/XXXX more that {$7000.00} in payment of that they said were late and it were not late, and they assigned late fees more than 16ocassions because they not register the third payment and deleted from the phone system that make the payment and now said that i owed more {$12000.00} when I don't. I have no transportation due to them, they are using my car because I have on my license report faults of XX/XX/XXXX when I don't have the car with me, they are using since XX/XX/XXXX when they went to XXXX XXXX and request I another set of keys without notified me. They are violating CARES act and the new act. They violated my consumer rights and performed dishonest, misleading and predatory practices against me. They did not provide to me any payment arrangement, neither moratorium after natural disaster XXXX XXXX XXXX as I have the right to received as equally conditions to other consumers neither after XXXX they closed my banks account on XX/XX/XXXX in the middle of the lockdown and the declared disaster covid 19 and earthquakes on my region they did not care a lot and refused to open my accounts and refused to gave me back my properties. They hidden documents and information to take advantage over me and that is illegal acts, after I paid a lot of money to stole my properties and my money.

Company response to consumer: Closed with explanation