Consumer complaint received 2022-01-21
Company: Auto Trakk, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I WAS A VICTIM OF CAR FRAUD.I PURCHASE A VECHILE IN XXXX XXXX OVER 8 YEARS AGO. I WENT TO XXXX XXXXXXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXXTHERE WAS TWO SALES AGENT XXXX AND XXXX WHO WALKED ME THROUGH PICKING OUT THE CAR AND EXPLAINING TO ME THAT THE CAR I PICKED OUT WHICH WAS A XXXX XXXX XXXX VIN XXXX, THEY EXPLAINED TO ME THAT CAR XXXX AND I HAD 90 DAYS TO PAY THE FULL BALANCE, IF I DIDNT PAY THE FULL BALANCE IN XXXX THEY THEN WOULD SELL IT TO A BANK. I PUT DOWN XXXX FOR THE DOWN PAYMENT. I AGGRED BECAUSE I WAS GETTING MY INCOME TAXES IN LESS THEN 60 DAYS SO I WAS GOING TO BE ABLE TO PAY THE CAR OFF AND I WAS STILL WORKING, MAKING GOOD MONEY. I MADE MY PAYMENTS FOR XXXX WEEKS AT XXXX XXXX XXXX XXXX. WHEN I BROUGHT UP MY FOURTH PAYMENT THEY PROCEED TO TELL ME THAT I HAD TO GO DOWN TO XXXX XXXX AND TAKE MY CAR DOWN THERE AND START MAKING THE REST OF THE PAYMENTS, THEY SAID THEY WAS CONNECTED WITH THEM.I WAS YOUNG SO I WENT DOWN TO XXXX XXXX WHERE THEY TOLD ME THAT XXXX SOLD THE CAR TO A BANK AND NOW INSTEAD OF MY BALANCE BEING XXXXTHAT MY BALANCE WAS NOW XXXX AND THAT THEY HAD TO PUT A DEVICE ON MY CAR TO MAKE SURE THAT I PAID THE CAR NOTE OR I WOUNLDNT BE ABLE TO DRIVE THE CARAND THEY COULD SHUT IF OFF WHERE EVER I WAS AT. AT THIS TIME I HAD SOLD MY XXXX XXXXO PUT DOWN ON MY DOWN DEPOSIT AND I HAD ALREADY PAID INTO THE CAR CLOSE TO XXXX I ASNT ABLE TO GET A NEW CAR SO I SIGNED THE LEASE ATTHIS TIME I DIDNT KNOW WHAT LEASE AGREEMENT WAS I JUST UPSETTHE CAR WENT FROM XXXX TO XXXX AND I WAS UPSET THAT XXXX HAD LIED TO ME, THEY PROCEED TO PUTA DEVICE ON THE CAR THAT WOULD SHUT MY CAR OFF EVERY FRIDAY MORNING AT XXXX XXXX BEFORE THE BANKS EVEN OPENAND I WAS ABLE TO DEPOSIT MY CHECKS SO THAT I COULD PAY THE CAR NOTE THIS WENT ON FOR SEVERAL YEARS. I WOULD BE LATE FOR WORK BECAUSE THEY WOULD SHUT THE CAR OFF.AT THIS TIME THE XXXX XXXX HAD THREE MAJOR RECALLS ONE IMPORTANT ONE BEING THE AIRBAGS, IN XXXX OF XXXX, I WASNT ABLE TO GET ALL THE THINGS FIX FROM THE RECALL, IT WAS A HASSLE FROM THE COMPANY AND MIXES UP OFWHAT LOCATION TO GO TO GETTHIS STUFF FIX. AT THAT TIME I ASKED IF I GET THESE THINGS FIXED ON THE CAR AND PAIDED THE REMEMER BALANCE WOULD THE XXXX MINE AND CAN THEY TAKE THIS DEVICE OF MY CAR THE SHUT MY CAR DOWN EVERY WEK FORTHE PAST XXXX. THE WOMEN OVER THE PHONE EXPLAINED TO ME THAT THE CAR WAS A LEASE AND EVEN WHEN I PAID IT OFF THAT I WOULD STILL HAVE TO GIVE THE VECHILE BACK OR REFIANCE ANOTHER VECHILE.ATTHAT TIME I PAID OVER XXXX XXXX KNEW THAT I WAS GETTING MY INCOME TAXES AND WAS GOING TO USE IT TO PAY OF THE VEHICLE UNTIL THE WOMENTOLD ME THE VECHILE WOULD NEVER BE MINE, AT THAT MOMENT I VOLUTARY SURRENDER THE VECHILE.I MADE ARRANGEMENTS FOR THEM TO PICK UP YJE VECHILE .IT WANT UNTIL 9 MONTHS LATER THAT THEY SENT ME A LETTER STATINGTHAT I HAD TO PAYXXXX ON THE VECHILE, WHICH WASNT TRUE.I PAID OVER XXXX THIS VECHILE PLUSTHEY SOLD IT FOR XXXX WHICH MEAN THAT I PAID OVER XXXX ON THESE VECHILE. THE VECHILE WAS ONLY XXXX THE BALANCE REMAINING SHOULD BEEN LESS THAN XXXX. I HAVE BEEN HARRASSED.MYCREDIT SCORE HAS DROPPED IT HAS BEEN OVER XXXX I PURCHASE THIS VECHILE AND FROM THE SALES ASSISTANCE LYING TO ME ABOUTTHE VECHILE PRICE AND TRANSFERING IT TO A BANK WHO DOUBLE THE PRICE, NOT TO MENTION THE RECALLES ON THIS VECHILE AND NEARDEATH ACCIDENT ME AND MY CHILDREN HAD IN THIS VECHILE BECAUSE OF THE RECALL HAS BEEN VERY TRAMAIC AND Traumatizing I NEVER LEASED A CAR AGAIN. MY CREDITSCORE HAS WENT DOWN, I HAVE BEENHAVING ISSUE WITH THEM LYING SAYINGTHATI OWE XXXX WHEN I KNOW I PAID OVER XXXX ON THIS VECHILE. I ALSO KNOW THAT IT WAS SOLD FOR XXXX, WHICH ADD TO THE BALANCE IN BRINGS THE TOTAL PAID XXXX. I HAVE PROOF OF ALL MY PAYMENTS AS WELL AS THE LEASE AGREEMENT OF HOW MUCH I HAD TO PAY ON IT WHEN XXXX XXXXXXXX XXXX XXXX  SOLD IT TO THE BANK. THIS IS OVER XXXX YEARS OLD AND SHOULD BE REMOVED OFF MYCREDIT.I FEEL LIKE THIS MATTER COULD HAVE BEEN TOOKEN TO COURT WITH THE LIES AND THE AUTO SALES PERSON BRIECH OF CONTRACT

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