Consumer complaint received 2022-09-02
Company: CFAM Financial Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was Leasing a car from Fair Servicing , LLC company since XXXX, I notified Fair on XX/XX/XXXX that i want to end my lease with them and return the vehicle. I also, informed them via email and in the app. that i will be dropping off the car to the original dealership i got the car from originally ( XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX, NJ XXXX ). I was scheduled to travel during the dates they offered to pickup the car. Then By Email, i was told that Fair will be taking care of the pickup and adjust it to pickup the car from the dealership after i informed Fair by Email of the name of the person in the dealership who i handed the keys to ( XXXX ). Again i was told via email that the pickup will be taken care of by Fair Servicing LLC. I dropped Off the Car to the Dealership on the Same Day XX/XX/XXXX. I surrendered the car plates to the DMV on XX/XX/XXXX ( Receipt Enclosed ). Then i was informed by Email late in XXXX i believe that the lease was sold to CFAM Financial Solutions. After in XXXX, i received a call from CFAM asking me if i returned the car or not, i said yes and i informed them that i surrendered the license plates to the DMV and that the car is at the Dealership mentioned above in XXXX NJ. Ever since that Phone call, i kept receiving invoices from CFAM that i am missing my monthly lease payment. I responded to them via phone a few times and emailed to their customer service email, but was not successful to reach anyone. Finally i responded to one of their invoice emails explaining all that i have explained to Fair Servicing & wondering why Fair and CFAm didnt communicate Months ago all the details i explained regarding my car return. then CFAM responded and confirmed that they have located the car in the dealership and that they will pick it up, and i received a confirmation that the pickup has been scheduled. Today XX/XX/XXXX they sent me another invoice for monthly payments since XXXX XXXX i want them to stop harrasing me. 
CFAM Should have inquired about all info needed from FAIR when buying the account. Fair Should have finalized the pickup & lease end.

CFAM Must Close My account and inform me formally that my account is closed with them And that I DO NOT owe them any money, Since It was : -CFAM and FAIR issue of miscommunication - Fair Servicing Problem of not finalizing the lease and closing it, and picking up the car as they have stated in their Email to me ( email enclosed ) -I have provided several proof with several communications to CFAM that the car was not in my possession since XXXX, and it was Fair servicing and CFAM responsibility to Get the car picked up and lease account closed and finalized since end of XXXX like they have informed me. 
-CFAM Must Stop Harrasing me with these invoices trying to scam me, and scare me into paying them money that they are not entitled to based on all the evidence presented. 
Thank you XXXX XXXX

Company response to consumer: Untimely response