Consumer complaint received 2018-06-23
Company: QUALITY ACCEPTANCE LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On or about XX/XX/XXXX I was approved for a Auto loan with Quality Acceptance. Loan amount was {$8900.00} for a XXXX XXXX. On that day I paid a down payment of {$1500.00} with an agreement to return in two weeks with another {$500.00} totalling {$2000.00} for the down payment.. I also signed up for auto pay which was to come directly from my bank account scheduled for every 3rd of the month.. During the month on of XX/XX/XXXX I invested {$6100.00} on major repairs that car needed which I was not aware of. I have invoices and bank statements for proof. The first few months my account was automatically ( autopay ) debited {$340.00} as planned, which was perfect because I had direct deposit to this current day. In XXXX I received a frighting phone call from Quality Acceptance explaining that they were trying to locate the vehicle for repossession, their reasons was for failure to provide car Insurance. I told him that I had faxed Quality Acceptance a copy the same day I switched companys. After claiming that Quality Acceptance never received my faxed, I told him that I had confirmation that it was faxed, then I tried to explain to the representative that I did have insurance and asked if he could give me a moment to retrieved the policy so I could provide information that he was requesting, which took about a minutes, but when I returned to the phone he was no longer on the line. I called back and gave them the policy number and the number to XXXX XXXX Insurance, who also was on auto pay. At the beginning of the following month I checked my bank account to confirm that my Insurance ( auto-pay ) was debited and noticed it wasn't. I called XXXX XXXX to find out why didn't they debit the account and the representative tried to reassure me that they did get the payment. After checking my account again. I called and email the representative at XXXX XXXX and yet again he tried telling me that it was paid ( weird ). My response to him was I needed him to email me the invoice for proof of payment. The next morning I received an email for the representative explaining that my bank account had just been debited the payment. I'm still not sure why he tried to convince me that the monthly payment for my policy was paid when it was not. I am sure that I didn't have any problems with them ( auto-pay ) debiting my account leading up to me providing my Insurance information to Quality Acceptance.. I'm happy I checked.. And my Insurance policy was never cancelled until two months afterQuality Acceptance took my car which was on or about XX/XX/XXXX. On XX/XX/XXXX while checking my account I noticed that my account hadn't not been debited {$340.00} the monthly payment for my car. That day on my way to school I called Quality Acceptance and made a payment for {$340.00} plus they were trying charged late fees. On or about XX/XX/XXXX while getting ready for school I noticed that the vehicle was gone. For two days I called different Cities and tow companies and police stations in the surrounding area but wasn't given any information about what happened to the vehicle.. So the next morning I called Quality Acceptance to report it missing and was told that they picked up.. When I asked why did they have the car, the representative first response/reasons was because I had abandoned the few vehicle. After stating that I did no such thing and asking about their policy and procedures on just how one would determined or come to the conclusione that the vehicle had been a abandoned. She stated that she wasn't sure and told me to hold for a manager. After about twenty minutes on hold another representative answered, and told me that my payment that was due on XXXX for {$340.00}. had not been paid.. He stated that if I wanted my vehicle back that I needed to wire them {$1300.00} cash through XXXX XXXX which included repossession fees. I was also told if I wanted my property returned that was inside the vehicle at the time of repossession which where in two garbage now, I would have to pay an additional {$380.00} cash for storage/holding fees. Two days later I called Quality Acceptance with the {$1300.00} that they were now demanding but I was told by one of their representative 's that the car had been sold in an auction for XXXX.. So I never seen my property or the car again.. At the time I was enrolled in night classes at XXXX for XXXX XXXX located in XXXX but I lived in XXXX XXXX California XXXX I had two weeks left to complete, and on the honor roll, but I still had to complete the required 120 hours of internship at a dental office before I could get my certificate and graduate. Unfortunate I was unable to get there due to no transportation.. I'm going to be XXXX years old. Thats the first program I signed up for and didn't complete, that thought a lone cause pain in my stomach like I need vomit every time I think about. Plus now I have schools loans that would have taken care of themselves a pond my completion.. Quality Acceptance continues to reporting my information to all three Credit Bureau 's . They also started calling me and asking me when did I plan on taking care of the balance. During the month of XX/XX/XXXX they called twice and both times I requested that they validate the debt with records and both times I was told that they mail it, but I hav n't received any thing so On or about XX/XX/XXXX I mailed a certified letter to Quality Acceptance stating that I am requesting/demanding that the debt be validated, but all requests has went unanswered. I tried to dispute the loan on XXXX. But the only change on my credit report dealing with this account was that close it, but they continue to report it.. It their actions that cause me to default on my loans with school amoug other things. Every two weeks I was paying on my students loans at school fath fully while attending school and was current leading up to incident.. Around the time I was approved for the loans to current my credit score has drop from about XXXX. I also talked to a representative from XXXX XXXX bank about my account. I asked what are the procedures for removing auto-pay once its been established? I told her I would have thought that not only would my premission be required but maybe my signature as well because that to was a contract I signed. 
. But this was cancel/removed without my knowledge. She stated that because Qaulity Acceptance were the one 's who set it up, and without a request from me to my bank for them to cancel auto-pay only Qaulity Acceptance could have discontinued/cancelled auto-pay. She also said to have auto-pay removed usually takes somewhat of a lengthy process and don't usually happen over night. Only Quality Acceptance can can explain their motives behind removing auto-pay which I don't believe a bank has ever done without a request or consent. Please help if nothing else to expose them for their very bad practices that their involved in. I believe they unlawfully stole the car and my personal proprety then demanded for me to pay them a total of {$1600.00} in order for me to be whole again it's frund and it's criminal on a very high scale and scary cause its federal. They are the same ones who approved me for the loan. Well I signed the contract but not but never knew who was the holder in due course ... And also disregarded the amount I invested as well. Quality Acceptance On or about XX/XX/XXXX I was approved for a Auto loan with Quality Acceptance. Loan amount was {$8900.00} for a XXXX XXXX. On that day I paid a down payment of {$1500.00} with an agreement to return in two weeks with another {$500.00} totalling {$2000.00} for the down payment.. I also signed up for auto pay which was to come directly from my bank account scheduled for every XX/XX/XXXX.. During the month on of XX/XX/XXXX I invested {$6100.00} on major repairs that car needed which I was not aware of. I have invoices and bank statements for proof. The first few months my account was automatically ( autopay ) debited {$340.00} as planned, which was perfect because had direct deposit to this current day. In XXXX I received a frighting phone call from Quality Acceptance explaining that they were trying to locate the vehicle for repossession, their reasons was for failure to provide car Insurance. I told him that I had faxed Quality Acceptance a copy the same day I switched companys. After claiming that Quality Acceptance never received my faxed, I told him that I had confirmation that it was faxed, then I tried to explain to the representative that I did have insurance and asked if he could give me a moment to retrieved the policy so I could provide information that he was now requesting for proof, which only took about two minutes, but when I returned he hung up and was no longer on the phone. I called back and provided them the policy number and the number to XXXX XXXX Insurance, who also was on auto pay. The following month I checked my bank account to confirm that my Insurance ( auto-pay ) was debited and noticed it wasn't. I called XXXX XXXX to find out why didn't they debit the account and the representative tried to reassure me that they did get the payment. After checking my account again. I called and email the representative at XXXX XXXX and yet again he tried telling me that it was paid ( weird ). My response to him was I needed him to email me the invoice for proof of payment. The next morning I received an email for the representative explaining that my bank account had just been debited the payment. I'm still not sure why he tried to convince me that the monthly payment for my policy was paid when it was not. I am sure that I didn't have any problems with them ( auto-pay ) debiting my account leading up to me providing my Insurance information to Quality Acceptance.. I'm happy I checked.. My Insurance policy didn't cancelled out until two months afterQuality Acceptance took my car which was on or about XX/XX/XXXX. On XX/XX/XXXX while checking my account I noticed that my account hadn't not been debited {$340.00} the monthly payment for my car. That day on my way to school I called Quality Acceptance and made a payment for {$340.00} plus they were trying charged late fees. On or about  XX/XX/XXXX while getting ready for school I noticed that the vehicle was gone. For two days I called different Cities and tow companies and police stations in the surrounding area but wasn't given any information about what happened to the vehicle.. So the next morning I called Quality Acceptance to report it missing and was told that they picked up.. When I asked why did they have the car, the representative first response/reasons was because I had abandoned the few vehicle. After stating that I did no such thing and asking about their policy and procedures on just how one would determined or come to the conclusione that the vehicle had been a abandoned. She stated that she wasn't sure and told me to hold for a manager. After about twenty minutes on hold another representative answered, and told me that my payment that was due on XXXX for {$340.00}. had not been paid.. He stated that if I wanted my vehicle back that I needed to wire them {$1300.00} cash through XXXX XXXX which included repossession fees. I was also told if I wanted my property returned that was inside the vehicle at the time of repossession, I would have to pay an additional {$380.00} cash for storage/holding fees. Two days later I called Quality Acceptance with the {$1300.00} that they were now demanding but I was told by one of their representative 's that the car had been sold in an auction for XXXX So I never seen my property or the car again.. At the time I was enrolled in night classes at XXXX for XXXX XXXX located in XXXX but I lived in XXXX   XXXX California XXXX I had two weeks left to complete, and on the honor roll, but I still had to complete the required 120 hours of internship at a dental office before I could get my certificate and graduate. Unfortunate I was unable to get there due to no transportation.. I'm going to be XXXX years old. Thats the first program I signed up for and didn't complete, that thought a lone cause pain in stomach like I need vomit every time I think about. Plus now I have schools loans that would have taken care of themselves a pond my completion.. Quality Acceptance continues to reporting my information to all three Credit Bureau 's . They also started calling me and asking me when did I plan on taking care of the balance. During the month of XX/XX/XXXX they called twice and both times I requested that they validate the debt with records and both times I was told that they mail it, but I hav n't received any thing so On or about XX/XX/XXXX I mailed a certified letter to Quality Acceptance stating that I am requesting/demanding that the debt be validated, but all requests has went unanswered. I tried to dispute the loan on Experianand. But the only change on my credit report dealing with that account was that close it, but they continue to report it.. My credit score has dropped down from XXXX due to this loan defaults on mu school loans amoug other things. Every two weeks I was paying on my students loans at school while attending school and was current leading up this incident..I also talked to a representative from XXXX XXXX bank about my account. I asked what are the procedures for removing auto-pay once its been established, I told her that I would have thought that not only would premission be required to cancel auto-pay but a signature as well be I signed a contract to establish auto-pay. XXXX She stated that because Qaulity Acceptance were the one 's who set up on there in, and because I didn't personally set it up at one of XXXX XXXX branch, only Qaulity Acceptance or I could have discontinued/cancelled auto-pay. She also said to have auto-pay removed it somewhat of a lengthy process and do not happen over night. Only Quality Acceptance can explain their motives behind removing auto-pay on my account without my consent or knowledge. Also dishonoring another contract ( auto-pay ). Why would a bank cancel the consent to withdraw funds from an account that they are entitled, it's unheard of.. please help.. if nothing else expose them so they'll stop thier bad practice 's that their involved in. I believe they unlawfully stole the car and my personal proprety then demanded for me to pay them a total of {$1600.00} in order for me to be whole again it's frund and it's criminal on a scale that's scary. They are the same ones who approved me for the loan. Well I signed the contract but can not confirmed who is holder in due course, after all I've invested and as a consumer I deserve to know. I Quality Acceptance # XXXX I will attach everything I consider evidence including bank statements and a copy of the certified letter requesting that the debt be validated.. I am hopeful that they will feel more obligated to respond and speak with your office more then they spoke with me. .. I'm far from perfect and so is my credit, but I really tried to not only improve credit but also stay in honor of the contract by by having a safe gard there like auto-pay, direct deposit, also checking my account just for confirmation and piece of mind for Qauliy Acceptance and myself. I'm really not sure what else I could have done to prevent this. I don't think anyone should have been treated in such a way no matter what class or status a person is classified as. Sincerely XXXX XXXX, XXXX This letter is addressed to whom it may concern.. I thank you for your time, for much, it's truly appreciated. 
Thank you

Company response to consumer: Closed with explanation