Consumer complaint received 10-09-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Please see comments from my previous complaint which was closed. Case # XXXX Upon reviewing flagships documents that they attached with their response to this complaint, I found multiple errors. They made it look as if they corrected the issues ( not posting payments properly, holding payments making them late, applying my payment to another account, repossessing my car when I had made the payments every month leading up to the repossession but due to their terrible business practices they were not applying my payments which led to the repossession ) There are so many errors in everything that they have done it is hard to keep track. I am going to attach all of the documentation once again including their documents that they responded with. They have in fact failed to correct my account ( they made it appear as if they did however if you look into the documents they provided there are multiple mistakes ), after multiple failed attempts at contacting them I am now seeking further action against this company. I am hoping you will help me. I am going to attach comments from others about this company, as it is not just me that has this problem. This company is fraudulent, has no integrity, and should not be allowed to continue to do this. 

They have robbed me of my money, inflicted emotional distress, lost time and wages, and countless hours researching and digging into what they claim they fixed. I am asking you CFPB to protect not only myself, but many many others who are victims of fraud. I feel as though I have been robbed, mistreated, and so much more. Also, the company continues to drown my credit report with derogatory statements. I want the repossession and every single " missed '' " Late '' payment that the company stole from me to be corrected on my credit report. 

For the company : I am giving you one more chance to CORRECT this, and I mean fine tune every single line of my payment history as well as your horrible accounting practices before I seek an attorney. I will not continue to allow you to do this to me. 


Errors found in the documents they provided in the last complaint : XXXX/XXXX/XXXX payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Repossession fees and lump sum payment not applied correctly look at how many times they applied and reversed, it does n't add up. 
XXXX/XXXX/XXXX {$200.00} payment made, after this is when they " fixed '' everything and responded to the complaint ( and lied ) if I made a {$200.00} payment, and they supposedly applied a {$500.00} payment where is the extra money? Technically they only applied {$300.00} out of what they claimed to have fixed. On the website as of now, it is n't correct and still shows a payment due. The problem is, the " late '' payment was from XXXX when I have a statement from the company showing I had a zero balance and next payment due was XXXX XXXX, XXXX. Go through the dates nothing adds up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation