Consumer complaint received 2021-01-23
Company: First Help Financial, LLC
State: WA
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:
first of all when I got the car out of the dealer on time I noticed the car different in different ways I took it back to the dealer told him to help me do a diagnostic is somebody if somebody messed with my car or something performance was bad poor performance security system not working parts notice have been change I called my dealership my financial my insurance even police nobody seemed to actually help do they say it's negative thinking help at all sorry police said I have no proof ideal it with that for almost a year and a half until XXXX XXXX my car got repoed two times recently as well knowing that something was wrong with the car I felt like somebody was trying to get rid of evidence as soon as I find out my car dealer would I got my cart refused to give me service two times refused to provide me with my personal information they lied to me saying they don't keep information on file for the long I just wanted to compare my paperwork from Financial dealer in mine because I had a feeling and I was expecting something was wrong with my information when nights are the copy of my ID and their system they say they couldn't give it to me because it was too dark which it was weird for me nothing but lice and rejection so I still had my car they told me to get a new one but I reject the offer because I was expecting different from them I was expecting them to help me in my situation that I was in so finally lost my job got behind on my payments little by little dealing with personal information being stolen out of my room my mail being open my car being messed with everything came at once so I have no way to go not even to go to the new interview or apply for a job people were asking so many questions like somebody posted something bad about me and online or on website or something because everybody was so questionable when I apply for a job when I want to get a bank account nobody could couldn't find me it was always two different answers my name showing for five different ways credit report went to garbage sometimes I couldn't log in to look at my credit report it was a lot of missing information they wouldn't give me an answer nothing but we have to make sure is you I couldn't even look at my car history for maintenance or anything like that it always give me an error saying that only the owner can look or go imbue the car information wish I was the owner of the car have I call they told me my car wasn't even under my name it was under a lady 's name which it bothers me always getting different we are emails on my credit about loans about student loans so I still have him fix anything I am stuck at home without nothing no money no car no job not even money to go and do laundry. On the other hand I have financial institution as well. Saying that they only got one number which I found three different numbers for the financial institute they always give me bus service never help out always quiet only yes no. Go out and ask your friends for money so you can pay the car payment things like that. And a lot more insurance pain almost XXXX for car insurance. Based on my credit which I don't even knew that I have credit that well or not even credit my personal item number being used I don't even know under what number do they qualify me for my car. Missing information in my in my car papers that I filled out which phone number color of the car email address all paperwork is so different missing information everywhere I go reject me deny me nobody helped me during the pandemic a state supposed to do give me a chance to get back in my feet at least and I was driving without insurance for 2 to 3 months due to rejection I was driving the car risking it because I know it wasn't performing the right way every time I go to the dealer I feel embarrassed because they look at me like there he comes again rejection right away all they told me the car is going to go to action anyway. And the people that I did the transaction about my car they don't they don't longer work there no more even When I got in an accident the guy from the XXXX XXXX doesn't work there either it seems like somebody did something wrong and they got fire like I don't know somebody show up on their me pretending it was me and when they saw me going in the look on their faces when they saw me like you can tell right away something wasn't right I wasn't communicated during the pandemic used to work two jobs before never have time to look at my car I never expected nothing wrong I never crossed my mind something was going to happen or somebody was going to mess with it now that I at home with nothing I have time to think and put everything together and I know 100 % I have a couple of people lined up that I know from what I see from what I heard from people reactions even where I live somebody local here they did something they didn't supposed to do. I got proof I got people. I compared my thoughts with other people from what they told me everything matches pretty good. I'm a communicated sometimes I don't have money to pay my phone so I don't know what's going on who calls me nothing I don't have nothing my car repo it kind of bothers me because if something happened to the car you know I have no way to prove the something happened to it and nobody cares explained him so many times didn't care it seems like they try to get rid of evidence because they know I noticed something wasn't right. XXXX XXXX  XXXX XXXX  they closed my account even on my previous jobs people act different towards me so I had to quit my wonderful and good job that I had due to people 's reaction in people attitude towards me when I didn't do anything wrong XXXX XXXX talk wrong about me I work for a XXXX XXXX XXXX or XXXX  XXXX  and XXXX XXXX XXXX  for five years until people started acting weird towards me wondering about me always wanted to see what I do after work while what's my routine everyday which I only work and go to work after that job go home and rest for a minute and then go to work again that was my routine for quite a while 4 5 6 7 years. the good thing I know where everything comes from y ven XXXX XXXX Store five minutes from my house de XXXX people There for a lot of years I'm a good customer at the gas station there people started asking where do I work what's my name what do I drive what do I live how do I get money they look at me from Head to Toes they always wanted to know more like if they were police or something you can tell the vibration and something went wrong or somebody say something or give bad false statement or say something bad about me that I don't even know about. discrimination people want to know if I'm legal or not and a lot of things more until this day I'm dealing with a lot of things that I don't know what to do where to move I'm stuck I've been looking for resources nobody seems to help it's always redirecting everywhere and when I talk to people about my situation they get mad they don't want to listen they I get rejected like they think I'm crazy I'm lying or not or something like that but I only know what I've been through I only know what I do and what I've been doing nothing but working for over 20 years that I've been in this country I work hard for what I have what I always had never been in trouble and never been in any kind of bat wrecker or anything like that for somebody to just do something to my information rather is my name my birthday anyting I don't think is fair. Even from the XXXX Police Department I've been denied recently lately they never come when I have something to show them about people breaking into my only room that I have in the back of the house it got to the point that they just got tired of it and then I even showed up or nothing.

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