Consumer complaint received 2018-01-08
Company: Systematic National Collection, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I initially contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX on XXXX XXXX, XXXX via the internet. XXXX XXXX sent automated emails regarding my inquiry. I then spoke directly with XXXX XXXX, XXXX XXXX XXXX Sales Manager, and explained my situation and my terms for purchasing a new vehicle, which were that I had a trade in that I was upside down on for about {$10000.00} and that I was adamant about not putting any money down ( {$0.00}, XXXX dollars ) on a vehicle because I was in the process of trying to close on a home that I was purchasing at the time and all my funds were tied up in the house. XXXX said he understood completely. XXXX said that he would get together with his finance person and see what he could do and said that he would contact me to let me know either way if they would be able to work with me and my conditions. He then texted me on XXXX, XXXX, XXXX in the a.m. and told me that they were able to successfully construct a deal with my conditions and to come on down and sign the paperwork, trade in my vehicle and pick up my new vehicle that afternoon at XXXX. I arrived on time and completed the signing of the contract and getting my new car within 45 minutes from my arrival. After a seamless and seemingly worry free completion of the transaction, I received a notice from XXXX XXXX a few weeks later saying that they wanted me to return the vehicle as they were exercising their right to rescind the deal we had recently completed. I immediately contacted the finance department at XXXX XXXX XXXX and spoke directly with XXXX XXXX, Finance Director, who unequivocally assured me that the issue was resolved and not to worry and DO NOT come into the dealer as according to XXXX XXXX 's ( Finance Manager ) notes in the computer, everything was fine and not to worry. Following that conversation sometime in the future, I received messages from both XXXX XXXX and XXXX XXXX, saying that they needed me to go into the dealership to re-sign the paperwork because they needed to submit my paperwork to a new lender, but that nothing would change except for the bank name. I then made arrangements to go into the dealership to resign the paperwork in order to resolve any issues. On XXXX XXXX met with XXXX XXXX, Finance Director, and I told her that XXXX said to come in and see her. I spoke to her about XXXX informing me that nothing was changing in the paperwork and that it was only the bank name changing. She highlighted where I needed to sign and had me sign the pages with NO explanation of the change in terms of the contract where they now had a down payment in the contract of {$2000.00}. NO ONE at NO TIME informed me of this change in the contract. I would NEVER have signed the paperwork if that were the case. I am receiving collection letters from Systematic National Collections , Inc. in for {$2500.00} for this and want this to cease immediately. It is fraudulent to have a consumer sign contracts without full disclosure of any changes to the contract and that is what XXXX XXXX, Finance Director of XXXX XXXX XXXX did when I came in that day to sign my paperwork.

Company response to consumer: Closed with explanation