Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: 3rd Generation, Inc. (IL)

On XX/XX/XXXX, I was in an auto collision that resulted in my car being totaled. I financed the car XXXX of XXXX. I shopped for the car at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I was told by XXXX the car dealer man to lie to the finance company they are financing with. Which their name is California auto Finance. XXXX stated to lie about my down payment amount and other important information in order to be financed with the high risk lender. I was sold the car without smog being done as well. With California auto finance being a high risk lender, I was always paying my car note on time! Until one day my apartment flooded and took a toll on funds to where I was making late payments. I fell behind no more than 1 month of a late fee or paying two weeks from my payment date. Never truly a month late on payments. While going through the hardships I would be in communication with people in office at California auto finance. I've spoken with every department in the company including collections. This company has called me from multiple different numbers, more than the allowed three times per day. I've been harassed and threatened a numerous amount of times. I have voicemails, emails, and one time they even texted my phone number personally to try and collect debt. Throughout financing, throughout the hardships, I would be told things like they would take my car for a {$14.00} past due balance because it was in collections. I've been told that if I dont pay they will be forced to take legal action with the police. I've been hung up on when catching them in their lies of over charging me. To turn around and say that was an error, the charge was removed. Long story short, the time of the accident I was current on my balance. Therefore, I had paid an extra fee for a Loss Damage Waiver. Which entailed if I paid a {$500.00} deductible and {$190.00} worth of a past due balance, my account would be paid in full and would close. I paid all of what they asked according to the documentation I received in the mail from them. For the collision, I decided to retain an attorney. XXXX from California Auto Finance asked me why would I get an attorney over my auto collision and that will cost more than a {$500.00} deductible ... California auto finance has refused communication with not only me on multiple different occasions, but also my attorneys. California Auto Finance lied on/to my attorneys. The rumor was that after paying my deductible and closing my account on my own, California failed to see the insurance policy of the driver that collided into my vehicle. Once they acknowledged the information, I was told I was never supposed to pay the deductible out of pocket by XXXX in the insurance field of California Auto Finance. I told XXXX I paid it so close my account with paid in full. That was done. A week or so goes past and I'm hearing from California auto finance that per my attorneys request, they reopened my account and applied my {$500.00} deductible to a late fee or another month of a car note to be exact. Which I was never shown receipt of the amounts or transaction. I believe I didn't owe anything past me paying the deductible to close in full. I called my attorneys they stated that they did not tell California Auto Finance to reopen my account and put my deductible payment towards a hidden unknown late fee. My car note is not {$500.00}. My car note costs {$310.00} a month. My attorney knew that action would weaken my credit score and future and so did I. Which screams that California Auto Finance has threatened/harassed me and executed their harassment with false, deceptive, and misleading practices. Their unfair, deceptive, and abusive practices must be stopped! When speaking with XXXX and XXXX from California Auto Finance, they would verbally and now physically affect my credit score and they stated they have potential to ruin my credit future. They even asked how is that going to help with me being a XXXX. I'm appalled still to this day how XXXX stated that someone is going to pay them back what they financed before I get my money back. There's XXXX, XXXX, XXXX, XXXX, and more representatives from California Auto Finance that are to blame. I used to be afraid everyday I knew I had a balance hanging over my head. I worked as a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Every time I got paid, I made sure to pay California Auto Finance. I have XXXX  on my medical records. California Auto Finance has caused a large amount of emotional distress and mental aguish! I literally used to feel the need to camp out in my car being a first time car owner. Every tow truck used to send my nerves to the moon. My balance was only {$30.00}. California Auto Finance has caused me to go through XXXX which is also charted. After closing my account fully, I still get harassed from California Auto Finance. On my sisters behalf! I told them on several different occasions to stop harassing me for my sisters contact information. They call more than three times a day. They call and hang up when they hear a male answer. But every time I answer, they start talking and harassing for my sisters information. Oh not to mention California Auto Finance would call me and mix up my information with my sisters information when collecting payments from me. I would have to correct them. For my sisters account, California Auto Finance has sent me her account details which is a huge privacy breach! I am very appalled by that as to I would not want anyone to see my account number, payments made, and payments due. That stuff is private. My sister doesn't tell me her personal information this is what they call " TMI '', Too Much Information. I need help. I've asked to be removed multiple times. I'm not a consumer of California Auto Finance any longer, I dont feel comfortable with them continuously harassing me. I'm outraged!