Consumer complaint received 2017-12-08
Company: Ace Motor Acceptance Corporation
State: MD
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:
I recieved a car loan from XXXX XXXX acceptance in XX/XX/XXXX. The car i purchased was a lemon and I left it parked in front of my home at the address they had on file because when i tried to take it back, the dealership had closed and moved. After repossessing my vehicle after XX/XX/XXXX i was told i was sent a notice of repossession but it was returned. After the vehicle was taken i was no longer contacted in regards to my personal belongings and where i could go to redeem the vehicle. In XX/XX/XXXX, my taxes where intercepted due to failure to have insurance on the vehicle that was repossessed. XXXX XXXX never turned in the tags so they took my taxes because of lapse of insurance from the time the car was taken up until my license was suspended. I never recieved that money back. In XX/XX/XXXX a case was filed against me a lawsuit for the balance of the vehicle plus court costs etc. When i contacted XXXX XXXX in XX/XX/XXXX to email me a letter of repossession to give to XXXX i was not informed about anything pertaining to the vehicle being sold etc. The woman was shocked as to how this mistake happened. After the lawsuit was filed i was then harassed year after year with lawsuits after lawsuits and ive never been served properly. If it wasnt for me checking case search i would have never known about the lawsuits. I reached out to attorney XXXX XXXX in hopes to set up a payment plan because i wasnt sure about repo laws and also i didnt want to risk my wages being garnished but that fell through. I didnt hear anything from XXXX until XX/XX/XXXX I was sent a letter asking for me to update information and i immediately called him. He was very rude and demanding and he also threatened to garnish my wages if i did not fill out the documents. I told him i just started a new job and that i wanted to set up a payment plan he said ok send me the info i need and we will work something out. As soon as i filled out the paper work his entire demeanor changed and he went from trying to work with me to saying that " If you cant give me a substantial amount of money then i cant work with you '' I sent the information that was needed and he continued pursuing me and began garnishing my wages for the FULL amount of the vehicle. He never informed me about the vehicle being sold and not only did he not inform me of it, but he also didnt subtract the amount the vehicle sold for from the amount that was being garnished. There was not any proper communication from XXXX XXXX nor XXXX XXXX. Recently after speaking with a customer service agent of XXXX XXXX i was informed that they never sent out any documents other than the notice of repossession. XXXX XXXX never reached out regarding what the vehicle was sold for and how much i owed after it was sold. The agent was extremely confused about the amount of money the car actually sold for and why i was being sued for so much. I found it extremely weird that after making that discovery less 2 weeks later i recieve a letter in the mail for a debt settlement for less than half of what im being sued for. Not only am i being sued by an attorney i was also told that ace should cease communication with me because it was transferred to the lawyer so if that was the case why am still being contacted by XXXX XXXX to settle the debt? Im being sued for {$11000.00} and harrassed non stop and threatened by XXXX XXXX but i am also being contacted by XXXX XXXX to settle the debt. XXXX XXXX isnt even licensed in maryland to carry out such foolishness.

Company response to consumer: Closed with explanation