Consumer complaint received 2016-11-18
Company: Innovate Managed Holdings, LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX, XXXX I entered into a commercial lease with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX and XXXX ( {$99.00} membership fee ) I informed XXXX of my concern with the wheels on the front passenger side. 
I XXXX XXXX, XXXX assured me it would take care of the problem. 
I waited. 
While I patiently waited. 
XXXX XXXX, XXXX closed their doors, dismantled their office, their phone lines and moved out of the State of Washington during the XX/XX/XXXX. 
XXXX, XXXX a text XXXX XXXX, XXXX stating servicing would no longer be their responsibility as of Friday, XXXX XXXX, XXXX. Servicing would be the responsibility of Innovate XXXX XXXX, Monday, XXXX XXXX, XXXX. 
I called Innovate XXXX XXXX XXXX XXXX & XXXX, XXXX. 
Innovate XXXX XXXX stated their company did not have the contracts and was not in position to accommodate. 
However Innovate XXXX XXXX withdrew funds ( {$190.00} ) from my account. XXXX XXXX, XXXX. 
I disputed : The validity of the contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
their authority to service my account. 
their authority to access my bank account. 
The fees. 
I e-mailed the form provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , indicating the amount due per weekly payment for the auto lease to no avail. 
I realized I was in check if not check mate. 
I would have just gone along with the program, if Innovate XXXX XXXX had not fraudulently withdrawn the {$80.00} cash from my credit card account. 
What would/will be next on their list? 
************************************* I should be permitted to use direct pay from my credit card account to XXXX XXXX XXXX and get out of this woven web of entrapment. 
( Now, I wonder if the XXXX XXXX is a flood car. XXXX. 
I noticed indentations on both side of the hood of the vehicle. 
As if the vehicle was lifted up by a huge clamp on both the sides of the hood of the vehicle. ) The services which accompanied the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has became non-existent. 
Additionally Innovate XXXX XXXX withdrew an unauthorized {$80.00} cash from my credit card account. 
Cash. 
Not from a debit account. 
Cash from my credit card account. 
The bank reported the transaction as fraudulent. 
The charges have been reversed. 
My concern now relates to retaliation. 
XXXX XXXX XXXX can confiscate the vehicle along with my personal belongings ( Video equipment, tripods etcetera. ) in it ( as abandon ), in the middle of the night or day and make me continue to make weekly payments. 
This very disturbing to me. 
************************************* I need a vehicle to XXXX. 
************************************* I am being charged for services no longer rendered. 
I have a breached and very ambiguous contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am still in need to make timely payments. 
I repeat, XXXX XXXX XXXX can confiscate the vehicle with my personal belongings in it ; in the middle of the night or day and make me continue to make weekly payments. 
This is a huge concern and very disturbing to me.

Company response to consumer: Closed with explanation