Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Danco Financial Services, LLC (GA)

I have been dealing with issue after issue with Danco Financial! It is not my intention to write a " report '' on them every time there is an issue, but these are significant issues that have vastly affected my life, and my every day activities. In XX/XX/2016, I was given a loaner car from XXXX via Danco because of the problems I was having with them and another vehicle that I had financed. The day before I returned the car I was pulled over THREE TIMES in the loaner vehicle. I was given XXXX tickets, XXXX for no tag ( there was a tag that said XXXX but no date ) XXXX for no registration ( the loaner vehicle had n't been registered for 2.5 years ) and XXXX for no insurance ( if the car was registered through the dealership my insurance would have covered it ), from the first officer, who told me he was supposed to give me XXXX tickets, impound the car, and take me to jail, but he did n't because it was " obvious that the car was n't stolen ''. He suggested that I take the company to court and engage in a civil suit. I instead contacted the person that I had been dealing with about my initial vehicle and explained the situation to him and was informed that the tickets would be taken care of. I sent him a copy of the tickets and allowed him to take care of them, I was later informed the court date had passed and I went to court with one of their financial people. She informed me that they would pay the tickets but not the failure to appear which I did n't understand because the failure was on their behalf. I contacted the assisting person once more and was given a guarantee that they would be taken care of. Several months later they still have not been. When I called to check on them, they were still not taken care of, so I contacted Danco and was connected with XXXX XXXX, who informed me that he did not care about the tickets but about my payment because " that was Danco and not XXXX and that had nothing to do with him! '' He was EXTREMELY RUDE to me and told me he only cared about my payment. I told him that made no sense because I was a VICTIM here, I was GIVEN that car, I did n't give it to myself and now my record is in jeopardy and I may face XXXX time! I 'm confused and bewildered! They repossessed my current vehicle and when I called to ask XXXX XXXX about how much I had to pay to get it back because I realized I did n't want a repossession on my credit, he told me to send him the citations first. I sent them and he told me they would n't pay for the " no insurance '' I told him they would because the car was not registered for my insurance to cover it, he said " oh yeah ''! I told him I had the bailment agreement and the text messages that I was sent saying the tickets would be handled. He asked me to send him those as well, I sent them. When I did not hear from him again I called him a few days later and asked him how much it would be just to get the car out of impound because I did not want the allotted time to pass without me having had the opportunity to pay the money I owed. He said, he " told me to send him the texts and the agreement '' I told him I had, he said I did n't and he was n't going to continue without them. I said well I 've given you the citations and that is all you need to pay the tickets and find out the vin # on the car that YOU GUYS OWN. He said that nothing had come up on the tickets, but I 'm not understanding how that is when the citation number is there clearly on the tickets. ( I am attaching the citations ) I asked again how much I had to pay to get the vehicle before the time had passed and he told me I would have to pay the entire $ XXXX owed on the loan in order to get the vehicle back in my possession. I am soooooo upset, confused, and TAKEN ADVANTAGE OF! Because they feel like I do n't know " financial law '' they can take advance of a ignorant XXXX woman. But I am fed up with them! And I am taking this to an