Consumer complaint received 2023-05-08
Company: U DRIVE ACCEPTANCE CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX i was called and told by XXXX XXXX XXXX XXXX XXXX  that i was approved for a XXXX XXXX and told to submit a check stub so they could start the paperwork and told to go down to the lot. When i arrived at the lot there was no XXXX i was told it was sold, and that i could pick out something else and given cars to choose from. I chose to get a XXXX XXXX XXXX for what i was told XXXX and that the same amount of XXXX down would work, but when i started to sign the paperwork after half way thru i was told that i would need more down and that i would have time to pay so without knowing the amount left i agreed and when it came time to get the keys i was told i needed to put XXXX down and i had already put XXXX so i was left with XXXX that needed to b paid in 3 weeks before my first payment then i was told i would pay XXXX every 2 weeks i was also told that i needed to have XXXX in my name before i left the lot and had to have a deducable of XXXX when i was thru signing the papers the car price went up to almost XXXX and i was told it was more because of a service contract and that i also needed to get a thing called GAP coverage that i was thinking was the same as an extended warranty but was not. I had problems with the front end with the struts and shocks that they knew about and was the main part of the service contract after looking at it closely after calling and going into XXXX XXXX to have fixed they gave me a paper to call and the company that i called told me that XXXX XXXX needed to call not me and thats when things got bad and i fell behind on my payment and they wouldnt help me fix my car and locked me out of the car with the GPS unit. They had first locked me out of the car before my first payment was due by the way. I asked to get my payment pushed back and they told me that i was not able to have my payment moved and that they couldnt help me I in turn called the bank that i was told in the beggining that i got accepted thru and that was U DRIVE ACCEPTANCE CORP when i called them they told me to call XXXX XXXX because they didnt have an account for me when i told them that they were the lien holder on the car they told me that they were a sister company and that XXXX XXXX was the bank. That made XXXX XXXX the Dealer, the Bank, and the Service provider. They wouldnt help me with my payment and on XX/XX/XXXX came to my girlfriends house to pick up the car and that address was not on the loan or a contact on the loan she was not accociated with the loan in any way. When she went out to see what was going on the Repo guy told her all about my loan and that i was in default and gave her info that she had no idea about even showed her a picture of me and asked if i was there and she asked him why he was helling her this info and he said it was his job. This was 3 days after i had contacted XXXX XXXX for help. While the repo guy was at her house he got on the phone with XXXX XXXX and we had an agreement that i would b able to take in XXXX the next day XX/XX/XXXX. I had the money and took lunch at XXXX and went to get my girlfriend from her house to go take the payment, i was there less then 3 min and when we walked out she told me someone was in my car and it drove off. i got on the phone with XXXX XXXX and told him that i was on my way to pay as aggread upon and XXXX told me that if i wanted my car i had to come up with XXXX to get the car back, i offered to pay the XXXX 4 different times and he denied my payment. I was told after the weekend i could get my stuff out of my car, when i was finally able to get my stuff almost a week later i was told to sign a paper before getting my property and that some of the stuff from inside the car would have to b picked up from XXXX i asked what i needed to pick up from them i was told the weed i had in the car, but was never given a claim number and when i called XXXX they informed me that they never picked anything up. After getting my stuff and getting home not only did they take the XXXX they also took my girlfriends XXXX XXXX XXXX XXXXXXXX phone my XXXX XXXX a XXXX Tablet and a XXXX XXXX Tablet along with my XXXX XXXX phone my paperwork for the car along with the complaint from the XXXX and the XXXX $ that i had to pay the car. I would like to get my car back and to be compinsated for the money i put into the car and the loss of work due to not having a vehicle i have now been out of work for a month and have had a loss in wage of around XXXX and out of pocket XXXX for the car, i would also like to get XXXX totaling the price of the items that were stolen during the repo if i can get some help with this i would greatly appericate it. When i went to pick up my stuff i was talking to one of the employes about the company and he informed me that they all worked for U DRIVE ACCEPTANCE CORP and when i questioned that i thought he worked for XXXX XXXX he said " same thing " i also have info that they are out of IA  and 1 person is the Pres of not only XXXX XXXX he is also the Pres of XXXX, XXXX that is assoc with XXXX XXXX  along with the same person as Pres of U DRIVE ACCEPTANCE CORP and that is XXXX XXXX all companies running out of an address XXXX XXXX XXXX XXXX XXXX IA XXXX.

Company response to consumer: Closed with explanation