Consumer complaint received 2022-10-27
Company: Bepensa Capital, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I financed a car from XXXX XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX. They coached me to say the right answers to Credithos applicant questions and I never got a test drive of the vehicle. Also, I traded in a fully functioning XXXX XXXX XXXX with {$3000.00} cash for the down payment purchase of the XXXX XXXX XXXX. From the first day that I purchased the vehicle I had three problems with the vehicle that I notified XXXX XXXX XXXX about, and those problems were # 1, there were 2 bad struts on the car causing the wheels to wobble and drag diagonally as I drive forward, # 2, the wheel alignment was way off. The steering wheel was turned almost fully sideways while riding in a forward motion. # 3, I was missing the right rear turning signal and right rear reverse light. XXXX XXXX XXXX did not fix the lights until my first monthly payment was approaching and the other problems that were apparent the next day after I purchased the vehicle were not fixed. On XX/XX/XXXX, I made my first monthly payment on the vehicle to Creditho on XX/XX/XXXX. I took the car to get an oil change on XX/XX/XXXX, at XXXXXXXX XXXX on XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When I left the oil shop, I was headed to work and the engine went out on me on the e-way, but it was still able to ride only at a top speed of XXXX XXXX. I immediately notified XXXX XXXX XXXX about the current circumstances of the vehicle, and I was told to take the vehicle to their partnering auto repair shop on XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX  The mechanic that I spoke with told me that it would take up to 3 weeks before the car would be repaired. I returned 6 days later on XX/XX/XXXX, to check the progress and they hadnt even touched my vehicle at all neither had they ordered any parts for the vehicle at all. I then asked the manager that was sitting at the front desk for an invoice receipt for my car being in their shop and he refused to give me one as requested and told me that I have to get the receipt from the manager of XXXX XXXX XXXX named XXXX, so I took my vehicle back from them and rode it to XXXX XXXX on XXXX XXXX XXXX XXXX with the hazard lights on. I left the car with the XXXX XXXX XXXX on XX/XX/XXXX. I returned to XXXX XXXX on XX/XX/XXXX, to pick up my vehicle and they notified me that they were not going to cover my vehicles repairs under factory warranty because of pre-existing conditions. I was also advised by the manager of the XXXX XXXX XXXX Department named XXXX to take the vehicle back to the dealership that I purchased it from and have them fix the vehicle under their dealership warranty and that XXXX XXXX XXXX sold me a lemon. I then rode the car back to my place of residence with the hazard lights on. When I got home, I turned the car off and went inside my home to proceed in calling XXXX XXXX XXXX and let them know the status of the vehicle and the current situation at hand concerning the vehicle. I was told to bring the vehicle back to XXXX XXXX XXXX to work things out. The next morning, I got in the vehicle to take it to XXXX XXXX XXXX and the car would not start at all. I called XXXX XXXX XXXX to notify them that the vehicle would not start, and I would need them to tow the vehicle to their lot to repair it because of this and I was told that the manager XXXX would send a tow to me. A tow was never sent a month later. I have been in contact with XXXX XXXX XXXX at least 15 times since this conversation about the tow and I have even recorded them on the phone and in person promising to handle a situation that they havent done anything about up to this point and in fact they have deliberately gave me the run around and ignored my calls as well. I need something to be done immediately. 


In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation