Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Tesla, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX remotely disabled my vehicle ( XXXX XXXX Model Y, XXXX : XXXX ) without any prior notice, justification, or legal basis, restricting my access and use of the vehicle for XXXX days. This action was taken despite Tesla not being the legal lienholder on the vehicle title and without following Oklahoma 's repossession laws or consumer protection regulations.

I. Tesla 's Improper Loan Handling & Debt Collection Practices 1.Unauthorized Loan Transfer & Demand for Direct Payments a ) My vehicle was originally financed through XXXX XXXX  XXXX but Tesla later claimed to have " repurchased '' the loan after XXXX XXXX  rescinded financing. 
b ) Tesla failed to secure a new lender and instead demanded direct loan payments to Tesla, a vehicle manufacturer, which is not a licensed financial institution or lender.

c ) Tesla provided no clear explanation or documentation proving its legal authority to collect loan payments, nor did it explain how it calculated a balance of {$45000.00}. 
XXXXTeslas Failure to Provide Required Loan & Repossession Notices a ) I requested a detailed financial breakdown of how Tesla arrived at the claimed balance, but Tesla failed to provide any transparency regarding how payments were applied.

b ) Tesla never provided formal default or repossession notices as required by Oklahoma and federal consumer finance laws.

c ) Instead of legally repossessing the vehicle through proper legal channels, Tesla resorted to coercive tactics, including disabling my vehicle remotely and multiple unauthorized repossession attempts. 

II.Teslas Unlawful Vehicle Disabling & Repossession Attempts XXXX XXXX XX/XX/XXXX : Unauthorized Remote Disabling of My Vehicle a ) Tesla unilaterally disabled my vehicle for XXXX days, preventing me from accessing or using my lawfully owned property. 
b ) No prior notice was given, no legal basis was provided, and Tesla ignored multiple requests for clarification. 
c ) .This action caused severe hardship, as I was left stranded and unable to use my vehicle for essential transportation. 
XXXX XXXX, XXXX : First Attempted Unauthorized Repossession a ) Tesla dispatched a third-party tow truck to seize my vehicle without legal authority, a repossession order, or proper legal notice.

b ) Police intervention was required to stop Teslas unlawful repossession attempt. 
XXXX XXXX, XXXX : Second Attempted Unauthorized Repossession a ) Tesla again dispatched another third-party tow truck, attempting to seize my vehicle without following legal repossession procedures.

b ) Once again, police intervention was required to prevent the illegal repossession.

III. Teslas Withholding of My Personal Property 1.Tesla has locked my vehicle remotely and denied me access to retrieve my personal belongings.

2.Despite multiple formal requests, Tesla refuses to unlock the vehicle or provide an opportunity for me to collect my possessions.

IV.Consumer Protection & Legal Violations by Tesla : 1.Wrongful & Illegal Repossession Attempts : Tesla is not the recorded lienholder and has no legal standing to repossess my vehicle without a court order or formal notice under Oklahoma law .

2.Deceptive & Unfair Debt Collection Practices : Tesla falsely claims I was unresponsive, despite my documented communications and willingness to negotiate.

3.Unlawful Loan Handling & Collection : Tesla, as an auto manufacturer, has no legal right to demand direct loan payments from consumers.

4.Unauthorized Vehicle Disabling : Teslas unilateral decision to remotely disable my vehicle without notice is a coercive debt collection tactic that violates consumer protection laws and caused unnecessary hardship.

5.Failure to Provide Legal Justification for Claims : Tesla refuses to provide a clear financial breakdown or documentation proving its legal right to enforce loan repayment or repossession.

Teslas misconduct has caused severe hardship, financial uncertainty, and unnecessary distress. I am seeking immediate regulatory intervention to ensure that Tesla complies with all consumer protection laws and ceases its deceptive and unlawful practices.

Company response to consumer: Closed with explanation