Consumer complaint received 2022-03-28
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of XXXX after a billing issue, I filed a CFPB complaint against Concorde Auto Acceptance. In their response, I found thay my contract I had with them was not valid and Concorde was not present, nor was it disclosed that my contract would be transferred with my consent. Auto City Credit not only breach the contract, but also my privacy was breached when XXXX XXXX, who XXXX is XXXX XXXX, transferred my contract to Concorde Auto Acceptance, which is also XXXX XXXX XXXX, blindly without consent or knowledge, creating a trilateral contract that I did not sign. Since then I have had Concorde through usps ( federal ) harrassement and threaten criminal. When I sent XXXX XXXX and Concorde a cease and desist, Affidavit of Truth requesting financial records ( journal, ledges ( on and off ), account ( including tax ), which I am entitle too under USC and UCC. And rescind my contract based on their TILA violations and USC, CFR violations. XXXX XXXX, who suposedly " TRANSFERRED '' my contract to Concorde, filed suit and illegally attempted to tow it several times, breaching the contract and my right to arbitration. After enduring mental duress and stress from XXXX XXXX and Concorde, I came in knowledge of instruments, and sent XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX, to discharge the debts and payoff according to UCC, USC, and, which he recieved on XX/XX/XXXX at XXXX, per certified mail receipt XXXX, alone with IRS Tto release my property fron interest and notarized statement accept all rights, titles, and interests as the agent to the account I have with them. XXXX and/or XXXX XXXX never repsond. XXXX XXXX then committed another violation, for the company recieved payment, but committed Auto theft and had my vechile towed, for if the court was in knowledge of this payment, they would not had the right to tow. I then recieved a certified letter from Concorde, that they were in possession of my vehicle and was going to file a XXXX ( one of which I already sent also with other instruments to Auto City XXXX XXXX who is over both companies ). I never signed a contract with Concorde, which makes them a debt collector and their letters come off as harrassement. I have since filed a motion to protect my federal consumer rights, which has been violated serversl times with both these companies. I have sent Concorde and CC/witness many agencies a Conditional Acceptance and am waiting on a response, ONLY VIA USPS. My next step with XXXX XXXX will stay legal and I will not disclose, I will also be selective to the documents I upload, for all documents will be used as exhibits in litigation and do not want their legal team to have access too, to early. I want to make CFPB aware and most likely I am not their only consumer who might have the same issue with XXXX XXXX XXXX and their past clients might not be aware of the breach in contact, privacy, or TILA violations and their rights.

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