Consumer complaint received 2019-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (GA)

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XX/XX/XXXX Dear Sir/Madam I am writing XXXX XXXX XXXX to explain the reason for Voluntarily Surrendering Reference : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I purchased the car on XX/XX/XXXX believing that I had bought a car from a reputable company, XXXX XXXX XXXX, financed by XXXX XXXX  XXXX XXXX with the intention of keeping the vehicle and honoring my obligation by paying the monthly installments. I also trusted XXXX XXXX  XXXX when I purchased the car that all inspections were done on the car prior to selling the car. I believed if those inspections were done, they would have been discovered that the pumps that drained water from the Sunroof of the car were blocked with dirt. I fully blamed XXXX XXXX XXXX for their misrepresentation to the public, thus resulted in a potential deadly and painful situation for me. 

XX/XX/XXXX, I had to take the car for service at XXXX XXXX XXXX. After the Service Advisor checked the car, he came back to me with his diagnostic test and recommendation of work needed to be done : 6. Vehicle Check {$99.00} 7. Brake Fluid Flush {$140.00} 8. Microfilter to change {$79.00} 9. Spark Plugs to be replaced {$190.00} 10. Rotate and Balance tires {$59.00} I declined the service recommendation, since I had just purchased the car only 5 months earlier, However, I did get the oil change and oil-filter done for {$76.00}. 

On XX/XX/XXXX at around XXXX XXXX  I was on my home from work driving on XXXX  XXXX I saw the lights inside the car disappeared, then my heads lights were gone. XXXX XXXX has no street- lights on the highway, it was total caucus. XXXX  XXXX exits are two miles or more between exits.

The first thing that came to my mind, I hope I made it to the next exit alive.

I carefully moved over to the slowest lane and preceded on to the next exit, found a place to park my car and called my daughter to come and pick me up. The next day, XX/XX/XXXX, I contacted XXXX XXXX XXXX  to report what I had experienced the night before. I also made an appointment to get the car service. Took the car in for an inspection. The findings from the inspection were as followed : 7. Sunroof drains clogged/torn causing water leak into the electrical system ; service requested repair Water Outlet Hose front and rear cost {$400.00} 8. Waster damaged causing multiple light out message ; repair Footwell Module. {$840.00} 9. Battery Flat-Battery has Undervoltage Faults : Battery Repair cost {$290.00} 10. Oil Filter Housing Reseal-Leaking, 3 Gaskets needed to be replaced cost {$1100.00} 11. Findings : Driver Axel Seal Leaking Drive Shaft and Ring needed to be replaced and sealed cost {$300.00}.

12. Pump Coolant needed to be Replaced -Antifreeze : 832540 cost {$740.00}.

After I got the results and costs for the repairs, I contacted the XXXX XXXX XXXX On-site Manager to negotiate reasonable repair costs. He told me he could cover {$800.00} of the cost and I would have to pay the balance. Of course, the charges were out of my budget, since I only have a part-time job that doesnt pay much. My only recourse was to Voluntarily Surrender the car and took a loss of not having a vehicle to drive 56 miles to and from work daily. Please find enclosed documents that corroborates my claim to Voluntarily Surrendered the vehicle. 

Note! After extensive research on the XXXX XXXX XXXX XXXX XXXX I found out that this car was the worst model that this company has ever made. Consumers have been complaining about electrical problems causing loss of power and eventually cutting off head lights and power inside the car. The car also has problems with Water Leaks on Wiring Harness