Consumer complaint received 2018-04-19
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I leased this car on XX/XX/XXXX, ( XXXX XXXX XXXX ) for XXXX this purchase was what i thought to be a happy purchase. Unfortunately until recently when my social security check in the last 2mths was stopped and then turned back on i was unable to make my full payment of XXXX so a partial payment was made for the month of XXXX, i tried to do a deferment for XXXX XXXX with the left over payment of XXXX and XXXX insurance for XXXX unfortunately do my income not coming until XXXX i was not able to complete any arrangement. 

Account # XXXX I made a payment of XXXX 2wks ago, this was the most i could pay until my check came on the XX/XX/XXXX, and a new job that i intend on starting on XX/XX/XXXX starts, with wkly payments. I sent a email to MCMC Auto replying to a email that was sent to me from XXXX regarding the past due balance on XX/XX/XXXX on XX/XX/XXXX advising that i would do my best to try to get a payment to then on XX/XX/XXXX. 

Unfortunately after sending that email to her my car was repossessed on XX/XX/XXXX 1 day after sending her an email advising when payment would be made. The same day i called in regards to the repossession, i was asked for the total of {$1400.00} i told the rep that i needed to see if i could get a deferment for the month of XXXX and that i couldn't make a decision on what i could do until i figured out if i could receive that. She stated that she would call me back after she got an answer from her boss. 

She called me back and told me the amount that she would need would be XXXX. I advised her that XX/XX/XXXX would be better for me because that was when my social security check came available, and i said this to her because when i thought about the XX/XX/XXXX it was said to me that i would not have a work check until XX/XX/XXXX. She stated that she would put me down for XX/XX/XXXX, then i received another call on XX/XX/XXXX looking over my acct saying that she saw that i made arraignments on the account for XX/XX/XXXX and she was ensuring that getting my car back was my intention. 

The next day on XX/XX/XXXX stated that she wanted to make sure that i was still coming in and wanted to see if she could get my debit/credit card for payment on the XX/XX/XXXX, i told her that the funds normally dont show up until later in the afternoon and that i would be calling in the payment. I also advised that i would be picking the vehicle up on the XX/XX/XXXX i was advised that they would not be open and that the days their open for the vehicle to be picked up is at a time that would not be good for the new job i was starting i asked to speak to a mgr. I was tfr to XXXX who told me that she could not wait for the money until the XX/XX/XXXX and that i had been misinformed of that information the first time, but that the second rep had informed me of this and she wanted to know how much i could give in 48hrs in order to an extension. I was horrified because i had not been told of any this in the last XXXX calls and i informed her that i had all of the last 3 calls including the one she had just received a tfr from recorded and that i could show it to her. 

She advised me that it doesn't matter you are 40 days past due and will be 51 by the XX/XX/XXXX and that they can not wait for the funds that my car would be sold and auctioned off by that time. I was outraged because i thought to myself and told her that information was needed when first spoke about it and ive never heard of anyone auctioning off a car that fast, i also asked for all of what she was telling me in writing, she advised me that she does not have the legal jargon in writing and that she didn't need this in writing. I told her that if i was to go into a suit, you would need to have these things in legal writing which she doesn't have it. I feel that they are trying to get quick money off of me knowing that i dont have the money, so that they can keep my car and sell it off to someone, because the car works well. 

I dont think any of this is right and all im asking for is the same of what i was promised in previous conversations with this company, I feel that this may be some form of predatory lending that is happening with very aggressive tactics being used by the customer service agents that ive been speaking to. I asked to speak to their manager XXXX and was told he wasn't here, she couldn't give me his extension transfer me to his line for a voice message and also couldn't tell me when he would be in because he quote on quote at different offices. I was told to come up with XXXX or something pleasing to her in order to get my vehicle back in 48hrs. 

I have no money all im asking for is someone to work with me this is my sole vehicle to get myself to work and my family around. The promise that was made to me was the XX/XX/XXXXno later than the XX/XX/XXXXy and i would like it to be honored. I do want my vehicle and i do wish to keep it but their is no funds in 48hrs and my car is not 60 days past due they picked it up at 38 days past due.

Company response to consumer: Closed with explanation