Consumer complaint received 2020-07-11
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint # 2 2 years ago I submitted a complaint to CFPB on this very same Auto loan lender Flagship Credit, LLC. The basis of the complaint was the unfair accounting practice used to negatively reflect my account was past due and report it to the credit burro. Also, harassing me at my job with anywhere from 10 to 15 calls a day because I refused to use their vendor to process my loan payments. My account was also adjusted, using their processing, to show my account was 1 month behind but, because I use bill pay through my bank, I was able to prove my account was current. Flagship did correct everything, only with the help of CFPB and I am hoping this wrong can be corrected too. 
On this complaint it is noticeably clear, Flagship credit set in motion an attempt to take may vehicle in response to the complaint I filed previously against them exposing their unfair accounting tactics. 
This complaint is because Flagship credit has taken the next step by re-possessing my vehicle for being 120 days past due. Their own records show payments for every month of year XXXX except XXXX ( I address XXXX later in this letter ). I am nowhere near 120 days past due. 
On XX/XX/XXXX, I received a text message from XXXX XXXX, informing me there was an item added to my credit report reducing my score. I open my credit report to find Flagship had sent a negative mark to the credit burros stating I was 60 days past due. I then logged on to the Flagship site and reviewed my payment history to see if any months from XXXX to the present were missing or had the XXXX payment just not posted yet. The XXXX payment had posted, and I did see there was not a payment for XX/XX/XXXX. I then scrolled over to the message section, in this area account holders can send messages to customer service for any customer service issues. I sent a message requesting an account audit and for someone to return my email to resolve the XX/XX/XXXX payment and the negative reporting of my account to the credit burro. I never received any response by mail or email, but I did submit my XXXX payment. From the date I made my payment to today ( XX/XX/XXXX ), I have not heard anything from Flagship credit. They never informed me there was a problem so big that they wanted to re-possess my vehicle by regular mail or email. During the month of XXXX, I had some major health issues and in XXXX, my Mother had health issues she needed my help with ( XXXX XXXX ). So, I was only concerned with making the payment, I figured if I were making the payments the credit reporting issues could be worked out when I was done dealing with my health issues. Today, I found out Flagship will do anything they can to hurt people instead of what they can to help people in the middle of a Pandemic. At roughly XXXX XXXX, my wife came to me and told me a tow truck was outside trying to take my car, I immediately went to my driveway to find a tow truck had trespassed on my property and had my car lifted up. I went to the driver as quickly as I could and asked what was going on. He said he was taking the car because Flagship was re-possessing it. I told him was not going to take the car anywhere and he said I needed to call Flagship, if they said do not take it then he would not. I called and got a customer service rep. who did not want to review my account and look at the payment history, she said the driver need to take the car because I was 120 days late. I insisted she transfer me to her supervisor because I could easily show bank records of my payments being made, the only payment I knew was not made was the XX/XX/XXXX payment. The supervisor ( whom I think was a more seasoned employee and not a supervisor ) came on the phone and refused to accept this was a situation that could be resolved and accept me submitting to her via email 2 of the months ( XXXX and XXXX of XXXX ) she said where in question. I had already been embarrassed by the tow truck coming to my house, all my neighbors were watching, it was over 100 degrees, so I gave up. I was not 100 % health wise, so I GAVE UP! I returned inside my home and asked the supervisor for her name and direct phone number ; she gave me her name and email address ( XXXX XXXX XXXX ) but refuse to give me her direct phone number. This usually means the person your speaking to is not a supervisor. I then asked her for her supervisors name and number, she gave me his name and email address ( XXXX XXXX XXXX ) but again refused to give me his direct number. 
This organization needs to be stopped! Flagship should be heavily reprimanded for the business practices they use to re-possess my vehicle and many others. There hundred of complaints online where people were harassed as I was on my first complaint and had their vehicle re-possessed using shady accounting and credit reporting. They should not be able to damage, not just my credit but, the countless people who were treated unfairly and had credit damaged. During a Pandemic they should have taken steps to remedy the account before re-possessing my car instead of re-possessing my car and trying to remedy the account.

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