Consumer complaint received 2016-05-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

In XXXX XXXX myself and XXXX XXXX went to reliable auto in XXXX to get a a new car after waiting for XXXX XXXX to assist us with a car from their AUTO CIRCLE program after a car accident under the policy which after ten months of waiting they did not do. The car that we were replacing was purchased at XXXX in XX/XX/XXXX through XXXX XXXX. And in the time we had the car we never missed a payment. With the XXXX car our interest rate was 4 %. Right out of the gate XXXX asked me If I knew a XXXX, I said no why, salesperson informed me that they were using my credit. And salesperson said that was all they could tell me. As for the interest rate on the car purchased in XX/XX/XXXX, it was first told to us it was gon na be 17 % then the sales lady kept coming back and saying it went up another 1 %. By time we were done it was 21 %. And the it was a XXXX XXXX Mustang for {$10000.00}. We put down {$1500.00} so the amount to fiance was {$8900.00}. We were told that if we made good on a years payments we would get the interest rate lowered. We also thought we were going to be getting XXXX XXXX again but we ended up with QUALITY ACCEPTANCE. From XXXX XXXX to XXXX XXXX, the first three months paid the during first month. And then after that I was always on time, the latest the bill arrived at QUALITY ACCEPTANCE was only a few days late if that. Yet, XXXX and I were both getting annoying calls from QUALITY ACCEPTANCE so much so that in XXXX XXXX, I talked to SUPERVISOR XXXX and let her know of the on going annoying calls that we were getting that were more than what the FTC allows. And after a year even with us making all payments on time. XX/XX/XXXX I decided to move back to XXXX XXXX from XXXX and I contacted the FTC as not only was the interest rate not lowered as promised but QUALITY ACCEPTANCE was calling XXXX phone and my phone several times a day at times and few weeks prior XXXX even said al my payments were up to date. So I decided to turn the CAR in XXXX XXXX. At this point car was XXXX and we put {$1500.00} down and made XXXX payments of {$370.00} minus the % 21 interest and that 's another {$3500.00} we paid toward car a total of = {$5300.00} was owed but car was rear ended on way to surrendering it, but still driveable and QUALITY acceptance got {$3000.00} for it at auction, leaving the total of what we owed at $ XXXX was XXXX na pay it right away, but with all the identity theft issues and robbery issues and car accident issues we were still dealing with, I felt it was best we talked to an attorney about QUALITY ACCEPTANCE harrassing phone calls and the high interest rate. QUALITY ACCEPTANCE started a heap of phone calls to me in XX/XX/XXXX and XX/XX/XXXX way above the normal. I do n't expect them to care about all the fiance issues we were trying to fix but that was why we were using them in the first place. And finally when the waters calmed down even though QUALITy ACCCEPTANCE was calling a heap was unprofessional XXXX decided to pay off the balance which we owed XXXX but QUALITY ACCEPTANCE was dinging our credit like crazy and they made XXXX pay {$9000.00}. {$6600.00} more than blue book and what was needed. XXXX then in XXXX XXXX called XXXX and said since we paid car off can they take it off our credit, again them knowing our credit was destroyed by identity theft and other illegal activity against us. XXXX SAID NO.