Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Farrell Holdings, LLC
State: CA

Complaint narrative:
Here is a detailed complaint letter for the CFPB website that includes all the specific, critical details you just provided. This format is designed to be copied and pasted into the CFPB 's online complaint form. 

-- - CFPB Complaint Letter : PAC Auto Finance Subject of Complaint : Vehicle Loan Type of Problem : Can't get accurate information from lender, Problem with a repossession, Incorrect information on a credit report Detailed Complaint : I am filing this complaint against PAC Auto Finance for fraudulent business practices, illegal repossession, conversion of personal property, and reporting false information to credit bureaus. 

In XX/XX/XXXX, I purchased a brand-new XXXX from a XXXX dealership XXXX The dealership arranged financing through PAC Auto Finance. I was assured the deal was final and complete. I made a {$11000.00} CASH down payment and took possession of the vehicle. 

For six months, I made my payments as agreed. Then, in approximately XX/XX/XXXXXXXX I received a shocking call from PAC Auto Finance. They informed me they " could not find a lender '' to fund my loan and that I needed to return the car immediately. This admission proves the original sale was never finalized and the contract was void. 

Confused and compliant, I prepared to return the vehicle. However, PAC Auto Finance then changed their story, claimed they found a lender, and the matter seemed resolved. Shortly after, without any further notice or legal process, my car was repossessed. 

The repossession was not only illegal due to lack of proper notice, but it was also devastating on a personal level. The vehicle contained all of my personal belongings from my sister 's funeralirreplaceable items of immense sentimental value. PAC Auto Finance and their agents took all of this property and have never returned it. I was never informed of where my property was taken or how to retrieve it. 

I only discovered the car was gone and reported it stolen. The police informed me it had been repossessed. I have never received a single notice, letter, or accounting from PAC Auto Finance regarding the repossession, the disposition of my personal property, or the status of my {$11000.00}. 

Despite this, PAC Auto Finance has now placed a derogatory account on my credit report, showing a " charged off '' balance of {$5800.00}. They are attempting to collect on a debt that never legally existed, after stealing my {$11000.00} and my irreplaceable personal property from my sister 's funeral. 

My Demands : 1. PAC Auto Finance must immediately and permanently delete all trade lines associated with this failed transaction from all credit bureaus.

2. They must provide a full accounting and restitution for my {$11000.00} down payment. 
3. They must return or provide full monetary compensation for all personal property converted during the illegal repossession, specifically including items from my sister 's funeral.

4. They must cease all illegal collection activity.

This company has engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ). I am also filing complaints with my State Attorney General and the FTC. Please investigate this company 's conduct.

Company response to consumer: Closed with explanation