Consumer complaint received 2017-10-16
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I was in a car accident in which my car was totaled which necessitated the purchase of a car. I purchased a car from XXXX XXXX ( XXXX XXXX ) and the original finance company was Mid-Atlantic Finance. 
I made the payments through the year. In XXXX, I went into the office while visiting my brother in the area. When I did I was asked to contact XXXX XXXX because they had not received the title. 
After returning to XXXX, I contacted the dealership who explained that they had decided to pull the financing back from Mid-Atlantic and I would be making payments at the dealership. On XXXX XXXX, XXXX, I signed a new contract with XXXX XXXX. Within two weeks, the contract was sold to XXXX XXXX and I began making payments to them. 
At this point I thought everything was fine. I received an email from XXXX XXXX at Mid-Atlantic Finance stating that my account was seriously delinquent and that I needed to pay {$2000.00}. Upon contacting the company, I was informed that the car was up for repossession if the account was not brought current. I explained that I was making payments to XXXX XXXX. I was told there was no information about that and the car could be repossessed. 
I was upset by the conversation so I contacted the original dealership. When I told XXXX XXXX of the conversation he explained that Mid Atlantic was not the legal lienholder on the car and they have no legal right to repossess the car. 
On XXXX XXXX, XXXX, I had XXXX on my shoulder from the car accident in XXXX. On Monday, I was supposed to go to my post-op appointment and discovered, upon taking trash to the dumpster, the car was gone. 
I received a notice on XXXX XXXX, XXXX regarding the repossession stating that I had 45 days from the date of repossession to get my belongings from the car. I was finally able to get to the yard where the car was supposed to be on XXXX XXXX, XXXX. When I arrived there, the person who was supposed to meet me was not there. I waited for two hours when someone finally arrived, I was told the car was not there. My belongings were in a shed, though I do not believe I got all my belongings from them. 
I went to XXXX XXXX and spoke to XXXX. She gave me copies of documents showing Mid Atlantic Finance application for a duplicate title, marking through XXXX as the lienholder, a DMV report from XXXX XXXX, XXXX showing XXXX as the legal lienholder. XXXX also had information regarding the car being removed from XXXX on XXXX XXXX, XXXX. 
I filed a report with XXXX XXXX Sheriffs Office case report XXXX XXXX. Since the report has been closed and deemed a civil matter. It was explained to me be one of the detectives that for a car older than six years, the company was obligated to provide 30 days in which the consumer could retrieve the car. They did not have the documentation from the clearing house which shows the date the car was removed from the tow yard. My attorney contacted the clearing house and they provided the information showing the date the car was removed from XXXX.

Company response to consumer: Closed with explanation