Consumer complaint received 2020-09-04
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To ; Loss Mitigation Department MECHANICS BANK OFFICE AT XXXX. XXXX  XXXX XXXX XXXX, NV XXXX IN REGARDS TO SETTLEMENT OFFER PERSONAL & CONFIDENTIAL MECHANICS BANK XXXX   XXXX  Powered by Mechanics Bank PERSONAL & CONFIDENTIAL Accordingly, my wife XXXX XXXX and I have suffered from this Pandemic with the hardships of the loss of our employment, thus setting us back with rents due and bills. Nonetheless, with our family of XXXX  boys and seeking to keep nutrition and schooling as an emphasis on the same level, practice social distancing as indicated in accordance by the

State of California whereby we reside. However, the  complications of all the above -stated are now considerable problems. In this case, I demand justification for this unjustified repossession. Thereby with remarks previously mailed retaining our family automobile During the coronavirus emergency will, in turn, puts us AT-RISk to containing the virus. Shall we take legal action under this review under the Executive State mandate by the State of California inclined liability for monetary recovery for my family 's pain and suffering thereof, and notwithstanding the covered cost of the vehicle. Furthermore, Attorney fees and expenses for controlling the worldwide pandemic. 
Similarly, the media interest will gain insight into how consumers ' rights matter. I advise before my Lawyers look at this point. Kindly release The vehicle with no difficulty as soon as possible. By the next business day, which means  today is XX/XX/2020. 

However, I sent XXXX XXXX a proposed letter for a payoff amount, including notification of our hardship due to the livelihood of employment loss in Regards To COVID-19. Nevertheless, I never received a call or mail of Attention to mediate. It stands the reason your company was offering three months of extensions to other customers, but I was never provided this upheaval. Further, just comprising my family by maliciously cultivating a plan to take advantage of by towing our family automobile in the middle of the Night. Communication would be the best business practice to  take a step in the right direction. Now, legal actions should transpire, rendering Overwhelming measures of suffering preceded my household.. Nonetheless, our family will suffer from the results thereof and comprise legal action against your organization during a time of emergency implication to Federal and State Legislature the CDC Occupational Health and Safety A formal complaint will Inform me.  Accordingly, repossessing my family vehicle injured us for social distancing, drive-through testing, and grocery shopping. Retains have been repossessed. Nevertheless, I asked by a letter During the coronavirus emergency ; cars will play a vital role in containing the spread of the virus and facilitating an economic recovery for families and states. A family car can allow for social distancing, drive-through testing, and shopping for essential items without taking municipal transportation. After the initial health crisis, a car will once again be vital in many communities for access to employment sent USPS ( attached ) asking for help from the bank furnishing cooperation when my family indeed needs support. 

. Additional Knowledge shall be indeed acknowledged that encompass that my history of duration of the loan was clarified to prevail excellent payment history until the hardship occurred, therefore justifying the hardship of the Pandemic was indeed the reason why, during this period It is vital that we are withstanding the epidemic. 

Vehicles are essential commodities as family automobiles. Indeed, the crucial means for purpose in prevailing over the coronavirus crisis ; Whereas taking away and reposing will exploit social distancing and furthermore comprising the possess. For incorporating the State of California Mandated social distancing.

This, please contact me in implication of the virus and facilitating a monetary value of shall accordingly be deemed illicit for hereafter investigation into the matter by CFPB indications.

Encouraging Health & Safety, XXXX XXXX

Company response to consumer: Closed with explanation