Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK
State: AL

Complaint narrative:
I just made a complaint with Mechanics Bank XXXX XXXX company. I explained the full history and reason of my complaint. It is my understanding that the complaint is closed. It is being alleged that I was this many days past due, etc. This information is incorrect and I resent the implication that this entire issue could've been sorted out and resolved if it were not for a person who was exerting her authority by having my vehicle repossessed. I have the phone calls that have been recorded not only by Mechanics Bank, but myself also to prove what I am saying is true. I spoke to a very irate employee who was being down right nasty to me even after explaining my XXXX as well as fighting for my life with XXXX XXXX  XXXX XXXX XXXX  in the months leading to why my payments were delayed in the first place which shows no regard for a human beings life, being on a XXXX XXXX for 30 days, seeing a XXXX  every week to have an XXXX, etc. It's hilarious to me the implication as if I was trying to get something for nothing when my balance on this loan seemed to never decrease! Please note the original purchase date of XX/XX/XXXX. The first repossession was XX/XX/XXXX. The past due balance was satisfied. Therefore, I was not behind in payments after I retrieved the vehicle from repossession. In order for me to have been 90 or 120 days past due is alleging that I made no payments for months. Well, if that were the case which it certainly isn't, then why from XX/XX/XXXX to XX/XX/XXXX was the vehicle not repossessed? Please do tell how many double and multiple payments were being made at one time as well as why I still had a $ XXXX 2 and a half years into this loan as if NOTHING was being applied to the principle balance? Please! I know at least $ XXXX was paid to you by me, but somehow my original balance still existed over $ XXXX when the vehicle was repossessed mind you the second time. The math isn't adding up! Loan sharks. This would mean that I was indeed making payments and something truly must've happened that caused a serious delay because it's being alleged that I went multiple months with no payment, but for a year and a half no payments were being made? No double, triple and quadruple payments weren't posted to my account to make up for when I was behind due to health complications? Please submit the payment ledger, I beg of you. It was not attached to the documents you provided. No matter how many payments were made in full, by two or three to four payments at a time! It's absolutely absurd and I really would like a full account of the payment ledger because mind you after the vehicle was repossessed in XX/XX/XXXX, I paid {$2000.00} and was told the repo fees would be placed at the back end of the loan, but I was hounded for those monies at each phone call. I was told one thing and given peace of mind and a week later told something else and no matter how many times I asked for each conversation to be documented, somehow the previous conversations were NEVER notated on my account. I do believe they get a bonus to squeeze money from their customer 's by threatening to have your vehicle repossessed. It's fine because I do have these recordings of each and every last conversation to validate every word I write. Including the hounding of where the vehicle was located and threatened by this XXXX  fella. Oh, he was really ugly and degrading towards me. Please add XXXX and mental distress. I attempted to be reasonable and completely honest not exposing the nastiness of Mechanics Bank XXXX XXXX Employees, but with the exception of maybe 2 people who were completely professional. The majority seem to have an issue with power tripping. Possibly don't have a happy home life because to me it's always bullying to take your personal frustrations with your life out on honest, hard working, work while XXXX people like myself. I'm just going to go ahead and let the cat out of the bag because right is right and wrong is wrong. Mechanics Bank XXXX XXXX honestly did me dirty and grimy. Worse than a loan shark. This too shall pass. I now have a newer vehicle. I'm not salty in the least. I'm here for what's right in the sight of XXXX and good people who aren't trying to get something for nothing, we need to stand up more when we are treated wrong. To whom much is given much is required. I've owned XXXX XXXX XXXX AND XXXX Paid in full at one time, My XXXX XXXX was paid in full, My first XXXX XXXX XXXX was paid in full 7 months early and the entire reason I needed a new truck is because it was totalled, by me being side swiped push into the incoming traffic 2 days before XXXX XXXX. The first replacement vehicle was a XXXX, I was rushing because I didn't like the XXXX XXXX  rental, it was snowing and it felt like that vehicle was going to topple over. The stabilization on the top of that vehicle is horrible. The entire vehicle was sliding across the road. I needed my own vehicle and despite my Dad trying to warn me about the flooded cars from the coast of the 20ft water surge, that's exactly what i bought. Definitely unintentionally. So, I just kept getting the short end of the stick, but I'm STILL going to stand for something and not fall for anything. I asked for my information to not be sold to our given to a 3rd party to, " STEAL '', my vehicle. I asked to be taken to court to allow the judge to rule possession, but it was easier to send a XXXX XXXX to steal my vehicle unlawfully, than to stand in front of a judge. My rights were violated terribly and immensely. Because if the calls I recorded were heard by a Judge, then XXXX XXXX XXXX. Of course you would send someone before day to steal my vehicle to not answer the Judge for your tactics. To win much is given, much is required. Much is required of me. I'm not new to anything luxury. Not since before I could walk and talk. You see, I was reared in XXXX XXXX. I was blessed, highly favored and fortunate to have when a lot of other 's didn't have and that's not go boast. I've never been one to mind getting my fingers dirty. I change tires, check oil, pump gas. I understand what being a good steward is. You had my correct mailing address and still sent the repossession documents to my previous address and mind you my vehicle was parked at home and despite all my family and loved one 's near me, I never attempted to hide the vehicle. My integrity is everything to me and I'm going to stand ten toes down for my integrity. Please listen to XXXX XXXX song XXXX. I live that song. Oh, it's way more, but I'll leave it at that. I'm just in what I'm asking. I wouldn't waste my time otherwise.

Company response to consumer: Closed with explanation