Consumer complaint received 2024-06-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Americas Car-Mart, Inc. (AL)

I have been involved in an ongoing dispute with XXXX 's XXXX XXXX of XXXX XXXX XXXX, who has used deceptive and aggressive collection tactics to try to satisfy a debt. These actions have resulted in me having to file a bankruptcy and threaten to take legal action against this company. ( At this time none has been taken ). There have been previous actions by this company and its representatives that have violated the Fair Debt Collection Practices Act and the latest occurred on Tuesday, XX/XX/XXXX, which has now resulted in me filing this complaint with an outside agency. On XX/XX/XXXX, representatives of America 's Car Mart in XXXX XXXX called a close friend of mine, who was listed on the initial application as a reference and provided information that I was seeking to obtain a new loan with their company for a vehicle. This was a false representation as I have done business with this company since XX/XX/XXXX. The caller unaware that I was in an ongoing dispute with this company provided the company with information such as a secondary phone number that I had not provided to the company. The company also used false statements about a new loan to try to locate my place of residence and place of employment. Almost immediately after the friend notified me of this action I received a call on the number that I only give to close friends, proving they used the deceptive tactic to gain information. This is the latest in a set of deceptive collection practices this company has used, which has cost me more money out of pocket and the filing of a XXXX XXXX, which was recently dismissed. Almost immediately upon the dismissal of the XXXX XXXX, An assistant XXXX at the location by the name of XXXX ( last name unknown ) began harassing tactics to try to remove the vehicle from my possession and on Wednesday, XX/XX/XXXX, provided a false remedy to get the account back in good standing. She told me in a phone call to come to their location in XXXX XXXX ( roughly XXXX miles from my home ) and we can work out an arrangement. Upon entry I met with an employee at the XXXX location who told me that there are options to get the loan back on track. XXXX did not offer any of these solutions and instead demanded I leave the vehicle and find my own way home. XXXX had previously did this and left me stranded in XXXX with fees of {$150.00} to get home in XXXX. XXXX has been responsible for many of these deceptive tactics that are taking place. In addition, I have spoken with America 's Car Mart 's legal team and previously requested arbitration hearings based on the actions of XXXX and illegal and aggressive tactics this company is using. I have also requested to have my account relocated to the XXXX location to escape the harassment. I have made several requests to try to remedy the situations taking place in XXXX XXXX, but the company continues to uphold XXXX and Car-Mart of XXXX XXXX XXXX their questionable collection tactics. In XXXX of XXXX, I spoke with Car-Mart 's legal team after an abnormally high number of harassing phone calls by this company. These calls would come upwards of XXXX times in a single day on back to back days when the account was only a matter of days late usually less than a week. Some of these calls would come then immediately and Car-Mart would call back within seconds after placing the first call. I have recently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to try to seek a mediation, but the company has failed to respond to date and continues their deceptive debt collection tactics and threats. The latest event on XX/XX/XXXX is the final straw as I have every intent on satisfying the debt but the company is trying to make it a situation where I can not afford the debt and seeking to seize the property and force me out as a customer and meaning a loss of more than {$7000.00}, through deceptive and questionably illegal tactics. I am filing this based on actions by this company that violate the Fair Debt Collection Practices Act through harassment/abuse and unfair and misleading practices. I thank you for your time and assistance. I am readily available to provide any supporting evidence that is needed through this process.