Consumer complaint received 2017-06-28
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I originally walked into XXXX XXXX XXXX to purchase a vehicle. After an agreement of {$1500.00} as a down-payment, I found a car I liked, signed the papers, and left with the car. In the next following days, I received a call from the dealership stating that my auto finance company would be CA Auto Finance. I took the information down and made contact with them. During the month of XXXX, they requested a copy of the insurance. I faxed and emailed a copy, called and spoke to a representative by the name of XXXX ( whom I also sent it the insurance info to ) said she received it and I left it at that. I did n't hear from them in regards to the insurance until the next month 's car not was due in XXXX. They sent a notice stating they were adding their own fees because they did n't receive insurance information despite speaking to and confirming with XXXX. I then called back and spoke to another associate by the name of XXXX, who then finally admitted they did receive my insurance papers but it was the wrong form and someone failed to notify me for another copy. She then argued with me back and forth as if I was going to know that it was the wrong form THEIR company. Upon settling that somewhat, my car note becomes due within the next days and I request an extension, I am granted that extension by one of the associates for 2 weeks. The next day however, I was receiving back to back calls and messages from the finance company stating that I owed them money. I hurried and called back because I had just spoken to 2 of their employees yesterday and got the extension. The associate went on to say that the employee who said that did not have permission to do so but that because of the confusion and the fact that I had put money into repairing the car, she would grant the extension. I was then again confused, but needed the extension so I said okay. In the next few days, CA Auto Finance decided it was their business to reach out to the dealership I bought the car from and tell them my personal business. I then began to receive harassing phone calls from both the dealership AND the auto finance company. I had to take the car in twice to the dealership after purchasing it for issues concealed by the dealer. The dealer then did mediocre repair job and then used derogatory and offensive language towards me and my girlfriend. After receiving several messages/calls daily that could total more than 6 calls a day, the auto finance company decided to involve another unknown individual into the situation, who also harassed me AFTER I told him I was at work and he proceeded to call and speak to me offensively. I 've saved texted messages from the Auto Finance Company as well a call log with all calls related to them and this issue, and lastly, I have voicemails. I also have the voicemail where the an associate of the finance company left me a message stating that she knew I had a new car ( which I did n't, they unknowingly ran my credit without authorization or good reason and phished into my credit ) and that she would notify that car company that I am a fraud and to go pick my car up that night unless I called them back. So not only did they harass me with over 5+ calls and 3+ messages a day, but they threatened for defamation of character and slander. I was even told by a person representing the car dealership that it would be a good idea to file a complain towards CA Auto Finance. Not to mention the unauthorized hard inquiry they put on my  credit report trying to phish information. I read several reviews AFTER being assigned to this company and they are very disrespectful, incompetent, and overall trashy! I even called today to speak about my recent issues ( mind you I let them have the car back because they were just cause too much distress and pain in my life by harassing me everyday! ), when I spoke to the associate, she was very unapologetic and acted very ignorant. Her name was XXXX and I had spoken to her several times in the past including another complaint I had with them. She then acted as if she had never spoke to me, and I even have a recorder voicemail from her on my phone! These people are just money hungry, liars, and incompetent imbeciles. I plan on filing a legal complaint because their course of actions were very unorthodox, inconsiderate, and stressful.

Company response to consumer: Closed with explanation