Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
Reliable Credit Repossessed my vehicle and I had never missed a payment ever. A tow company in California made an illegal tow from private property. The tow company held the vehicle for 42 days before sending notice. They never notified the registered owner at all and the legal owner for 45 days. Totally violating California State Cal VC 22658 ( 4 ) ( d ) where a tow company has 48 hours to notify both parties. I the registered owner was never contacted by the tow company at all.. Reliable Credit informed me of the tow. They immediately stated there was something wrong this because tow companies cant hang onto a vehicle for 42 days before notifying owners their vehicle has been towed. I called the tow company and inquired why had I not been notified me? Young employees provided no answer and accused me of acussing them of breaking the law. Which was exactly what they did. They hung up on me. I called back the following day and stated I had every intention of contesting the lien the tow and the storage. See I had been parked in a park pay lot at the airport under contract with no time limitations on the length of my stay. I downloaded my document that guaranteed my daily rate.It was a very safe patrolled 5 story parking garage. That I parked in because I had some very expensive business equipment in my truck. Reliable contacted me on the XXXXXXXX XXXX XXXXXXXX. I contacted them back on the XXXXXXXX XXXX XXXXXXXX and told them I was contesting the tow and storage and opposing the lien. There was no threat to the vehicle. They could have provided me with the notice of lien sale at that time to oppose the lien. But they would not give me this document until after they had taken possession of the truck. I would deal with it. On XX/XX/XXXX while my loan agent was out of town his superior decided to pay the {$5000.00} being claimed was owed and repossess the vehicle. He paid {$5000.00} to recover the collateral on an {$8000.00} dollar loan. Thats like 62 %. Then immediately notified me that he was selling the property unless I paid him {$13000.00} at once. OK my vehicle is worth {$26000.00} to {$32000.00} so I hold equity in it. Reliable themselves said their was something wrong with the tow and storage. Buy paying the bogus fees on the truck the creditor effected my rights of being able to contest the tow and the storage and the lien having them all dismissed. At the time the creditor recovered the vehicle the tow company was by law to provide the creditor with the Notice of authorization to tow the truck supplied by the the property owner and inclusive of a-lot of data. The tow failed to do this and they failed to provide the numbers for the local pd and prosecutor as required by Cal VC 22658 ( 4 ) Cal VC 22658 ( c ) ( i ) ( iii ), Failing to provide the authorization to tow means your not in legal possession of the vehicle and you cant charge fees for it. Reliable paid the fees and repossessed the vehicle anyways. They interfered with my ability to perform my duties in the contract and forced a towing and storage bill upon me that I would not have had. I would not have to pay anyone based on the tow companies lack of legal documents justifying their possession of my truck. And the fact that I was in a park in pay with a downloaded document for daily rate and no time limit on my stay.The tow company Converted my property and my creditor purchased it. The creditor breached the contract by inserting themselves before me to a right in the contract they could not obtain without acting in a manner to my detriment. They violated my rights to fair government hearings opposing the fees unlawfully accessed upon my vehicle. And secured those fees that they then wanted to assign and bind upon me. The the creditor denied taking my payment on the XXXX when my payment was due. The creditor cant act in a manner that damages the other party in a contract for the purpose of obtaining a better position in equity. The creditor owed the debtor a duty of care and a covenant of good faith and fair dealing allowing the debtor to deal with the tow company and recover their own vehicle. in the event the debtor failed to do that then Reliable can step and assume rights over the collateral. But until the debtor fails to fulfill there obligations in the contract the creditor has no business interfering in the debtors business. This was a greasy move to exploit me for money. Im XXXX years old. when I finally received any paperwork from Reliable. The lien they were supposedly acting upon was no good it was void on its face The tow company used the wrong document for the notice of lien. They devalued the vehicle by {$28000.00} dollars claiming it was valued under {$4000.00}. This is so they don't have to involve the DMV in the sale. Its fruad. Liens filed this way are immediately dismissed upon a hearing requested by parties with financial interest in the lien. The creditor received this document on the XXXXXXXX XXXX XXXXXXXX. They were in possession of the bogus lien the entire time. There was never any threat upon the collateral.. The lien was void on its face. This creditor is trying to pull some greasy stuff. Now they threaten to sell my vehicle if i do not pay them in full and destroy my credit. these people are not right. Respectfully XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation