Consumer complaint received 2022-10-15
Company: Automotive Partners Funding
State: AZ
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 taken out of work due to a serious condition that needed XXXX. While out of work trying to deplete any XXXX or other resources to pay this car note of $ XXXX. and rent of over {$1100.00}. I was scheduled for XXXX and was out of work for 4 months. During this time, My short term XXXX was only XXXX XXXX and was only around $ XXXX. I made arrangements to have weekly amount of $ XXXX taken out of my XXXX check to pay to try and make payments. No alternative method was given to me to help during this pandemic. 

To this existing problem. A payment was made on my account while I was tending to my mother XXXX XXXX XXXX in XXXX. I received a phone call from my niece that my car had been towed. I'm assuming because she parked in the wrong apartment slot but it was XXXX. After getting back to XXXX, I checked my email to see if i had any correspondence from XXXX and on XX/XX/XXXX, I received an email about a late notice for {$470.00}. I continued to check to see if i had any other correspondence from XXXX. On XX/XX/XXXX I received an email stating my payment was returned from XX/XX/XXXX. This correspondence was sent on XX/XX/XXXX ; which is 30 plus days later when I'm thinking its paid. Now forward to XX/XX/XXXX my car was towed and XX/XX/XXXX Notice to Sell Property was sent. XXXX did not even give time to rectify the situation because it was already in motion XX/XX/XXXX payment return, XX/XX/XXXX car towed, and XX/XX/XXXX the intent to sell vehicle. 
Everyone knows that automobile dealers does not sell a car to benefit you at an auction. They sell a car to benefit themselves and having a balance to charge to your credit report with more interest even though the car is {$6000.00} overpriced and the interest is almost 30 %. Which is predatory lending but I needed a car. 
I have a mother in XXXX XXXX  for her XXXX life, and I have to travel back and forth to make sure she is okay and save my job at the same XXXX time. People are heartless and cruel. This is not right, its not fair to me or my family during this pressing time during a pandemic. People are struggling to make it and its people like this who are not sympathetic to others problems or issues just their pockets. When i called on XX/XX/XXXX when i returned the only thing i was emailed was I forwarded your message to management when they already knew they sent out an intent to sell. 

Make it make sense : XX/XX/XXXX notice XX/XX/XXXX XXXX XX/XX/XXXX Intent to Sell Where is the attempt to resolve issue? 
Why did it take 30 days to informed payment returned? 
In any case, it is always suppose to be an alternative to repair the default. 
Now, they are declaring {$18000.00}. After the {$5000.00} and the {$1500.00} down already invested into this vehicle. So, evidently this car was {$25000.00} for a XXXX XXXX XXXX  ( used ).

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