Consumer complaint received 2023-11-04
Company: North Shore Equities, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
On Thursday XX/XX/2023 I was driving to my residence from picking up my XXXX XXXX XXXX at the bus stop. I did not even enter my home when I saw the repo agent attempting to take my vehicle. Currently my husband defaulted on payments due to being in a severe accident involving the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX fractures in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He was hospitalized and underwent XXXX. My husband had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With him being injured we lost XXXX income as well as I had to continuously take off to accommodate him to be able to even see the XXXX. There were many follow ups and appointments. There was even a point where he has complications with the XXXX area and the wound open back up. In the process of recovering an attempt was made by the repo agent assigned to repossess my car. My entire family had just exited the vehicle to enter the house to grab items since my XXXX XXXX XXXX and XXXX XXXX were going to be dropped off at my mother 's. While standing by my front door I see the repo agent reversing to my vehicle. There are XXXX agents XXXX is driving and other one has a make XXXX XXXX XXXX  normally used to break into vehicles when locked. My husband and myself run to the vehicle the repo agents run leaving their tool still on my steering column. My husband proceeds to try and get into the vehicle and the tow truck starts to pull off. They did not secure the vehicle properly so the ropes around the back tires come off and car drops due to the fact my steering wheel is locked all the way to the left. My car was in the middle of XXXX cars in the parking lot. In attempting to seize my vehicle they not only dropped my vehicle they hit my neighbors suv on my driver 's side. Both cars sustained damages due to their negligence without any interferment. And in causing the XXXX cars to collide while trying to enter the vehicle the cars sandwiched my husband and hes been pain ever since. When my husband finally secured himself in the driver 's seat he then had difficulty getting the key in the ignition due to the make shift tool used to break into my vehicle. Once he removed the tool he was able to start the vehicle and with no connection or secured line attaching the car he simply drove off and regained the car. The repo agent broke my door in this attempt to the point the door swing open when I make a right turn. The inside door lights will not turn off since the door is now always open. I can fall out the vehicle and if I turn the vehicle off I have to disconnect the battery so that the lights do not stay on and my battery dies. They also hit my neighbors car with their dog in the vehicle. The next day I asked for an account summary on my balance late fees and the paperwork on my reinstatement back in XX/XX/2023. I was given a make shift ledger from XXXX XXXX no heading no secure payment logo. It's not even an official document no signature nothing identifying much. I parked my vehicle blocks away and when I went back to my vehicle i had XXXX flat tires. They damaged my vehicle to the point that it is almost inoperable but I have to pay my rent take care of my husband and our XXXX kids one being a XXXX XXXX XXXX. Everytime they take my vehicle they damage something on the car. This is ridiculous they vandalized my vehicle maliciously and intentionally. Then my lender discloses they can not give me information on the repo company since they are a private party. But that I need to take my damages up to the repo company not them. I want to make a payment but this door is completely broken intentionally and not only my property was damaged but my neighbor as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation