Consumer complaint received 2022-11-12
Company: Foursight Holding LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
It is interesting that CFPB thinks the complaint filed XX/XX/XXXX was closed satisfactorily just because Foursight responded. No, the problems just continued and from XXXX to XXXX of XXXX, I was unable to access my account information on-line. I had been working since XXXX to pay off the loan, but was unable to get a new loan, in part because the original loan amount was way above the blue book value of a XXXX truck when I purchased it in XXXX. So finally, I had to sell off something that was for my retirement in order to get rid of XXXX. So, on XX/XX/XXXX, in accordance with instructions from the Foursight pay-off department ( on a 10 day quote ) I mailed a Certified check in the amount of {$25000.00}, which was the balance of the interest and principal on the loan, plus a personal check for their alleged late fees and other fees that had been accumulating since XXXX of XXXX, when they were supposed to have turned off automatic payments, but failed to do so, and from XXXX to XXXX, they kept processing the payments to the autopay account, and then charging me XXXX fees XXXX instead of processing the payments I was making over the phone or by mail to their office in XXXX, and then claiming I owed late fees every month. Since there would have been no fees legally due, I put them in a separate check and made it plain that if they cashed that check, I would file a lawsuit against them in XXXX XXXX, XXXX. The Priority Mail envelope with the checks got to XXXX XXXX XXXX on XXXX XX/XX/XXXX, and it included a return Priority Mail prepaid and pre-addressed envelope for the return of my title. Before I resorted to this means of getting payment to them, I had tried to get them to pick out any XXXX XXXX in XXXX ( of which there are thousands ) and I would send the certified check to the Bishop to be exchanged for the title, and then I tried the same thing with XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona, because I really did not trust these people after so many problems, but they refused to provide a better solution, so to XXXX them paid off, I sent the pay-off to their office in XXXX XXXX XXXX XXXX, XXXX as specified by the pay-off department. Unfortunately, it took an extra day for Priority mail to go from XXXX XXXX XXXX to the XXXX XXXX ( XXXX XXXX ) location, so it was not received there until the morning of XX/XX/XXXX. As of today, XXXX XXXX, I never received a receipt for the payment, but did receive a certified mail envelope with the check I had sent for the assorted fees, and they were apparently willing to reduce the balance, but that is not the issue. The issue is that I have not received the title, and in a faxsent XX/XX/XXXX, told them to refund my money and tell me where to deliver their truck in XXXX  for them to come and get it. Of course, they do not want to do either, because the truck is not even worth {$20000.00} today, and they have had over XXXX weeks to put the title in the prepaid priority mail envelope, and they do not want to do that either. I have been planning to move to a statewhere there is already a considerable amunt of snow and ice, and wanted to trade the XXXX XXXX XXXX truck for a XXXX truck before I set off, and now, I am having to delay my trip until Spring because it means crossing significant mountain ranges that require chains instead of just XXXX vehicles. 

I want my {$25000.00} refund or my title immediately

Company response to consumer: Closed with explanation