Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Kitch Acceptance Corp.
State: IN

Complaint narrative:
I had a car loan with Kitch acceptance corporation for a XXXX XXXX XXXX The amount per month for the vehicle was XXXX a month. This car itself was messing up not even a month after I had got it over a year ago at XXXX XXXX XXXX XXXX. I was struggling to keep up with the payments after a sometime. A representative at XXXX, XXXX  was always very rude and suffocating a lot of times. It felt like my phone was blown up at times. Every time shed call about a past due amount it almost felt like it was my mother getting on me about my finances. Thats not professional. Truth be told I would get pretty upset and argue with her because how dare a corporation employee patronize me and try to make me bad about not having all the money. I actually complained to employees about her. I would always communicate with them about my situation as well. Theyve given me a deferral before at one point. It was very appreciated. However, as time went on it was back to being past due. I knew I couldnt keep up with the car payments 100% but I tried my best to keep up and communicate thoroughly with a busy schedule. I was past due at 60 days multiple times and they always gave me grace when I was employed at XXXX XXXX XXXX because I communicated. I wasnt the best at times but they still were patient when I had a reliable source of income. Fast forward to XXXX  I lost my job aXXXX XXXX XXXX XXXX XXXX unexpectedly. It was my main and only source of income before getting fired. XXXX  called me eventually and I let them know I lost my job. I told them I was working on getting out of being 80-85 days past due.. Correct me if mistaken but, that was the most days I had been past due. Which is understandable because of my situation. On my call log it shows I spoke to XXXX  on XXXX at XXXX XXXX which was 2 days after me losing my job. On XXXX at XXXX XXXX I missed a call. I used to work night shift at XXXX XXXX XXXX so my sleep schedule was a always screwed up. Thats why I wouldnt answer a lot of calls.  I had started back on my self employed side hustle app called XXXX. Ive always had it but in the past there were no hours. It is a app for XXXX to work and make high income at low staff buildings needing help. This app is hit or miss because depending on time frames there will either be not any hours for grabs or a lot.  It depends. With it being tax season at the time there were more hours I noticed and I picked up some shifts. Ive been on the app for years though. I was able to make some extra money through XXXX  and pay some of the balance finally again. That was the first time I was able to get some income from XXXX  in a long time. It says on my phone call log I contacted them myself on XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of those outgoing calls were me explaining I was working on the balance which I was with no actual stable regular job. I also communicated I had lost my main job and that I was working on things. I promised I would pay some of the balance. I mentioned I had XXXX  my side hustle as well. Due to that, I was able to get some of the balance taken care of. A total of $XXXX  split in half in two transactions. On XXXX  I went ahead and paid XXXX  On XXXX  and XXXX  I reached out to my township trustee program for clay township. This is a program that provides financial assistance in emergency situations. It was going to be financial assistance to 1. Obtain my rent money 2. Obtain little, majority or all of the balance due for Kitch acceptance. I had a application appointment scheduled for XXXX XXXX XXXX. I had mentioned that to a representative on a phone call prior to the repossession. They told me the account would be noted. I will say I told Kitch I would have my payment on a certain day and something had happened that day so I wasnt able to pay on the exact day I told them. In my defense, the day I promised wasnt that many days apart from the day I paid. Regardless if it wasnt, I tried my best. I paid it like I said I would. My father told me not to pay them anything and I wish I listened to him. I didnt get anymore phone calls so, I just decided to stack the money I had and pay it in the day Id get it; Which I did.  I made two payments of XXXX to Kitch. One on XXXX and the other on XXXX The payments went through a day after each. XXXXXXXX I head downstairs to drive to the township trustee office and notice my car was gone. I wont lie I called them and I was angry so it wasnt a nice phone call. I was upset because I did everything I was supposed to and I even told them I had the appointment on the day I did. They took the car the day I got financial assistance. I contacted the township trustee hysterically emotional. If I wouldnt have made it I would have been automatically denied the assistance. Thankfully the man who was working with me came to my apartment XXXX  in XXXX, Indiana. We went over everything I told him about this situation and he granted me financial assistance for my rent and my utilities. I told him I wasnt going to even try getting the car back because I had already gave them money and I wasnt giving them more. Im sure thats why they didnt grant me money to get the car back. They can keep the car. I called XXXX  XXXX to dispute the charges. My bank had accidentally put in a wrong reasoning for one of the disputes. I found this out because I called Kitch todayXXXX XXXX XXXX XXXX to ask if I could get a refund for the charges on my car. On XXXX XXXX told me to give them a call. Thats the only reason why I called Kitch. I really didnt want to speak to anyone. I was late on talking about it because the disputes were already done. 
 On XXXX XXXX XXXX XXXX i called and asked to speak to a higher up person in collections. I was told by a representative that XXXX  would be the one to speak to. She wasnt available. Today XXXXXXXX XXXX XXXX XXXX, I spoke to XXXX  and she was very patronizing. This is the usual when talking to the representatives hence why I didnt want to call Kitch. I was respectful at first but she told me my bank put in the note that I did not authorize the payment that wasnt true I told XXXX  everything I am typing here. She assumed thats what I told XXXX  to note. She said something along the lines thats lying. I explained to her thats not what I said to them and that I said to them the same story I explained to her. She continued to go back and forth with me. Thats when I started to get more frustrated. I dont know much about XXXX XXXX  disputes, this is my first one Ive ever done. As I noticed she was being smart with me she was starting to get me to the point where I was arguing back and forth with her about the dispute. It was very unprofessionally but as I was reacting she told me lets keep it professional. She also said Did you just call to argue? That is very contradicting to say lets keep it professional when you are making comments like that and talking the way you are to me. I told her chase told me to call. I cant say I was being nice after I was getting responses and assumptions from her in a condescending way. On XXXX XXXX XXXX XXXX  I contacted XXXX  about the screw up and it was a misunderstanding like I knew it was. I never told them it was a payment I didnt authorize. I just explained my story. I stressed that to one of the representatives. The representative I made the claim with put in the wrong option. Another XXXX  representative told me it should be fixed though. On XXXX XXXX XXXX XXXX i called Kitch again to inform someone else about the bank situation. The phone call was odd this time. I called and once it connected to collections, someone said on the phone word for word can I take a message? and it just hung up. The representatives dont usually say that on the phone they usually ask what Im calling about or actually talk professionally. It seemed weird that time I could be reaching but Id rather report that in case. I dont like going through this process but, I think these two disputes are well deserved. I feel there wasnt much  consideration for me through kitch during that rough time. Especially with me being as young as I am. That doesnt matter to them though. It was the timing and the way they repossessed my car the way they did. I dont get how that is legal to do since I communicated. I wish they wouldve taken it when I had been working at XXXX XXXX XXXX XXXX This situation has caused me so much emotional distress. Thats why I am not letting up about this. I say that because back when I had a stable reliable job they were patient and waited. Now that I have a new job that pays better than my last, my situation was turned around. In the matter of less than 2 months I was able to do that. If they had been patient the balance woulda been taken care of.
(FYI in one of my uploaded documents it says the XXXX XXXX XXXX XXXX payment was declined because my bank already processed the dispute but the claim for the dispute is still pending)

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