Consumer complaint received 2019-03-14
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a car from XXXX XXXX XXXX XXXX. I had made my payments on time, they were about one week ahead of due date. I had paid them ( XXXX XXXX XXXX XXXX XXXX ) I paid them {$270.00} per-month for a total of 13 payments on the car. In total {$3800.00} They added in house insurance which cost {$130.00} per month with a total of {$1700.00} they were making me pay despite the fact I had XXXX insurance, full coverage paying a monthly payment of {$110.00}. They kept telling me I did not have Insurance, I kept on having XXXX send them confirmation of Insurance. They still denied it and kept on charging me anyway. Well, then while I was in the VA Hospital I had parked my car in front of my apartment complex. When released from Hospital the car was gone I filed a Police Report with Oklahoma XXXX Police. Police report number XXXX date of XX/XX/17 XXXX XXXX. Then I called XXXX XXXX XXXX XXXX. I told them that the car had been stolen while I was in The Hospital VA. I was taping the phone calls as well, I told them I was taping the call to some young lady, she stated that was ok. I next asked her what to do. She told me not to worry about any thing that the two Insurance company 's would work out the problem depending on the car being found. She stated they would cover all cost, if they needed anything they would call me if the car was found they call me on that day. Well, me and my family started looking for the car, XXXX XXXX XX/XX/XXXX year of car Vin XXXX Then on the date of XX/XX/2017 XXXX am we found the car and took it to my family 's house. I left it with a family member and told him not to drive it any where and the iinsurance company was sending out clame adjuster on the following week. Well, I went back into the Hospital, I had double XXXX, While I again was in the Hospital my cousin had took off with the car and had moved out of the house he was staying in.. Again her I sat wondering what to do, after 24 hours of looking for the car I reported to Oklahoma XXXX Police Report number XXXX date XX/XX/2017. They charged him with Embezzlement and another charge. I again in formed the XXXX XXXX XXXX XXXX. They told me the same thing they would work it out between both insurance company 's and that they would pick up all cost. Well, at this point I was not getting any where with replacement or a loner car. I had to have a car to go back and forth to the VA for major medical problems and appointments. So I finally got another car. I just kept on doing my thing. I had not heard from either of the insurance company 's or the finance company. So many months latter I applied for credit and was turned down. So after looking in to it I found that XXXX XXXX XXXX had reported to the major credit reporting agency that the car was repossession and {$8000.00} owed. That the account was closed. This was put on my report not by just one company but two, So I started checking into this problem, I requested a copy of the contract and all other documents. They sent me part of the contract, parts were missing. they sent me one copy of a letter for sale at private auctions. The address it was mailed to was not my address. the write address was on front of contract, I don't know where the address got changed I did not change it. Well, besides the address change they never informed me the car was found. they never sent me what the car was sold for or when., my phone number has not changed they did not call. I don't know where the personal property gone to, I've sent them letter after letter to remove thid injustice off my credit report that this is a improper repossession. I've written them with no response to any thing I've tried.. I found out from XXXX that they tried to work things out and never got any help from the finance company. so they closed the case. I'm a old vet, and have major medical problems with out having to deal with these kind of people whom don't care. I sure hope I can get some help from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation