Consumer complaint received 2022-09-21
Company: AUTOMOTIVE CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX XXXX was purcahsed from XXXX XXXX, in XXXX Ohio. I took it home to Pennsylvania and took it to XXXX XXXX XXXX XXXX in order to register it and get a license plate. After this was completed I thought everything was good and needed no further action. A couple months later, I was pulled over by an officer who informed me that the registration for the vehicle was suspended and they needed to tow the vehicle. After contacting the Pennsylvania DOT, I was informed that XXXX XXXX gave a bad check to pay for the registration and vehicle taxes. With that happening, I immediately contacted them, only to find out that they have been shut down for doing this to hundred of people. 

I found the owners of XXXX and spoke with him telling him what happened and letting him know that the registration in my name was revoked due to the taxes and registration checks bouncing and that he would need to return the funds I paid and take the vehicle back. He assured me he would call and take care of it but never did. I then informed him where the vehicle was being held, and that he needed to go retrieve it and refund me and he once again said he would take care of it. I was told by the tow company that the dealership did indeed recover it. so even though I didn't receive any money back I still was hoping nothing would show on my credit about it. 

I have spoken with the attorney general and was advised to contact Automotive Credit Corp and let them know that the dealership went to court and was forced to pay everyone back for not sending titles, not sending payment for state taxes, as well as not sending proper forms to complete the sale of the vehicle and that this in no way should be a debt of mine, rather it should be transferred directly to the owner of XXXX on the law suit that the Lender has or had ongoing with the dealership. 

Below I will list the link to the 100+ other victims attorney general complaints as well as my own. This has completely ruined not only my credit, but there have been so many years worth of denials due to this debt that it has impacted what should have been the best years of my young adult life. Having this fraud impact me to the degree it has with no one listening when I say this debt is not mine, has caused me to not be able to get funding for my business, be forced to take horrible auto financing due to it looking like I don't pay my debt. Meanwhile. this is the only collection on my record that is significant enough to tarnish my entire credit file. 

Complaints were all made through XXXX XXXX XXXX XXXX XXXX is the dealership who defrauded me and caused the entire mess and was found guilty in the case, having to pay back everyone who he didn't send titles to, but people like me where left in the dust because even though he sent bad checks for state taxes, and never sent a good one to make it right, he sent the first one so there is nothing the AG will do to make it right. 

Automotive Credit Corp is the lender I am asking to please check the Attorney Genereal complaint and see the hundreds of people like myself who have a collection from them in which the vehicle was returned to them only for them to sell it again like in my case. 

XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who Defrauded myself and hundreds of others ) XXXX XXXX sold used motor vehicles to consumers and failed to transfer titles to the purchasers as required by Ohio law . Consumers filed complaints with the attorney general seeking relief from the Title Defect Recision ( TDR ) Fund. The complaints resulted in payments being made from the TDR Fund to reimburse the injured consumers. The Attorney Generals Office sued the business and its owner on XXXX XXXX, XXXX, for violations of the Consumer Sales Practices Act and the TDR Law. The litigation concluded on XX/XX/XXXX, with a Consent Judgment and Agreed Final Entry and Order. The settlement included a declaratory judgment ; a permanent injunction ; {$42000.00} for reimbursement to the TDR Fund ; and a {$50000.00} civil penalty, with {$25000.00} suspended on the condition of full compliance with the terms of the settlement.

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