Consumer complaint received 2018-01-29
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My issues with this company actually goes all the way back to XXXX, when I purchased the vehicle I specifically requested that my due date be around the XXXX and not around the first, so that I would be able to make my payment separate from when Im normally paying rent. It took them almost 6 months to make that change and then they still put it on the XXXX, In the middle of pay periods More recently the same company has continued to process checks that I have issued stop payment on after I have notified them on numerous phone calls not to cash these checks because theyve been canceled. These are checks that I had processed through my banks bill pay system to automatically go out and my bank advised me to go contact XXXX XXXX and explain that they were canceled and not to process them because if they receive them and they still process them it would charge my account fees. 
The reason I had to cancel these checks is because In XX/XX/XXXX I was given a deferment that I signed paperwork for. This deferment was processed to be effective through XX/XX/XXXXbut as my account would still accrue interest during this time I went ahead and processed payments as I was able toOn XX/XX/XXXX I had a phone call with an associate advised me that my deferment was processed in error and was not supposed to be through XXXX that it was only supposed to be through XX/XX/XXXXand that my account was past due. He stated I shouldve received paperwork confirming that. I did not receive documents correcting my deference. I signed paperwork processing my deferment through XXXX and thought my account was up-to-date. When I was advised that my account was past due, and that the deferment was filed in error and he advised that they ( XXXX ) were taking numerous phone calls about this and I wasnt the only one. I explained that since my account was now past due, I had to cancel all checks coming to them and would be making a payment on XX/XX/XXXXand to not try to process any checks that they may receive in the meantime because they were all going to be canceled. On XX/XX/XXXX they tried to process a payment And my bank charged me a {$29.00} nonsufficient funds fee, on XX/XX/XXXX they tried to cash check again, causing me aNother nonsufficient funds fee I have gone over and above in my communication with the XXXX XXXX to explain my extenuating circumstances between having identity theft, having an abusive ex who mismanaged my account in the beginning of my contract in XXXX, and then my disaster recovery with Harvey for a deferment only for them to then go back on that deferment and instead of giving me the deferment until XXXX telling me it was only until XX/XX/XXXXand putting my account past due. This is the second chance financier and they abuse their customers And grossly take advantage of our using their services to try to rebuild credit. I would like XXXX XXXX   to be held accountable for their actions against me and anyone else that may be having these issues with them. I know I can not be the only one as they clearly stated on their own recorded line that multiple peoples deferment information was entered incorrectly and they were taking numerous calls. None of that shouldve resulted in all of the fees and the checks being process that I canceled once I realized that my account was past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation