Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Henschel & Beinhaker P.A.
State: FL

Complaint narrative:
Attached you will find the legal decision from FLORIDA DEPARTMENT XXXX XXXX XXXX XXXX XXXX, DIVISION OF LICENSING & LEGAL DEPARTMENT as well as the extensive investigation against XXXX XXXX XXXX, which was contracted by Henschel & Beinhaker s client, XXXX XXXX. It has been lawfully determined by the State of Florida that the debt Henschel & Beinhaker are trying to collect stemming from an UNLAWFUL REPOSSESSION based on the violation of F.S. 493.6118 ( 1 ) ( x ) 5 after they received a letter with supporting documents sent via USPS certified mail with signature. 

There was a violation of Florida Statute Chapter 493.6118 ( 1 ) ( x ) 5. Since the FDACS DIVISION OF LICENSING & ITS LEGAL DEPARTMENT has made this determination, this debit can not be collected upon. Attached is also a letter from the property managements attorney stating they NEVER GAVE AUTHORIZATION FOR ENTRY ONTO THE PROPERTY ( which is on page 2 ) ; therefore, violating breach of peace under the Retail Sales Installment Agreement. 

I am filing a complaint against Henschel who is trying to collect a debt stemming from an unlawful repossession which was conducted by the contracted agency of their client, XXXX XXXX. 

Previously Henschel & Beinhaker was sent a complaint ( CPFB XXXX ) filed by me Dated XX/XX/year>. On XX/XX/year>, Henschel & Beinhaker responded to CFPB complaint. Their response has been enclosed for this complaint. They claim : 1. I claim the debt is not mine and I did not receive proper notification. On the contrary, I claim they are trying to collect a debt which stems from an unlaw repossession due to the recovery agency which was contracted by their client violated Florida Statute 493/6118 ( 1 ) ( x ) 5 and U.C.C. Article 9.

2. They claim my original complaint lacks legal merit. They are FAILING as well as REFUSING to acknowledge the XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( who regulates recovery agencies and their agents ) extensive investigation and their legal findings of violation of Florida Statute XXXX and deemed the repossession violated this statute making the repossession unlawful.

3. I received a bill stating I owed the debt and lists Henschel & Beinhaker, P.A. as the debt collector. I informed them they are trying to collect a debt stemming from an unlawful repossession. I even sent them the FDACS DIVISION OF LICENSING findings of the unlawful repossession due violation of F.S. 493.6118 ( 1 ) ( x ) 5 under a separate letter sent directly to Henschel & Beinhaker as well as their client XXXX XXXX. 

Therefore, this new complaint has been filed with CFPB on XX/XX/year>, with the OFFICAL FDACS DOCUMENTATION AND LEGAL FINDINGS, letter from that attorney of the property management stating they did not give permission for entry to a gated private community. 

Please have this debt removed under the evidence of unlawful repossession and recovery agent who was contracted by their client violated Florida Statute Chapter 493.6118 ( 1 ) ( x ) 5 as well as breach of peace due to entering a gated community without property managements authorization. This violates the Retail Sales Installment Agreement signed by me and the original creditor, XXXX XXXX which is a client of Henschel & Beinhaker .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation