Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
Loan origination / jurisdiction : I signed the contract in XXXX. The vehicle was repossessed in XXXX. 

Charge-off reporting discrepancy : My XXXX  credit file reflects the account as charged off with a status updated XX/XX/XXXX. XXXX  shows {$10000.00} charged off and {$17000.00} past due as of XX/XX/XXXX, reflecting an interest exceeding {$12000.00} beyond the charged-off amount. The companys internal figures/ledger assert amounts and interest that are not transparently reconciled to the charged-off figure and are not clearly reflected in consumer credit reporting. 

Bankruptcy ( XXXX  XXXX ) servicing concerns : I filed XXXX XXXX in XX/XX/XXXX and LoanMartXXXX was listed in the bankruptcy as a secured creditor. The company has not provided a complete reconciliation showing how trustee payments were applied ( principal/interest/fees ) and how its post-dismissal balance was calculated. 

Repossession : On XX/XX/XXXX, XXXX repossessed my vehicle ( XXXX XXXX XXXX, title loan ). I requested written documentation immediately, including repossession authorization, post-repo accounting, all notices allegedly sent, the addresses used, dates mailed, and a full interest/fee breakdown and payment application history. 

Notice / sale timeline : The company claims a Notice of Our Plan to Sell Property was mailed XX/XX/XXXX, and the company has indicated the vehicle could be moved to auction and sold ( sale date referenced as XX/XX/XXXX ). 

CFPB complaint submitted : I submitted my CFPB complaint on XX/XX/XXXX because the company was not providing the required records and the balance/interest figures appeared inconsistent. 

Company response / continued stall : The company responded but did not cure the dispute. In a XX/XX/XXXX email from the companys General Counsel/Chief Compliance Officer, my documentation requests were dismissed as AI-generated, and the company claimed it had no formal record of an address change. This does not address the underlying issues : missing substantiation, unresolved accounting/charge-off discrepancies, and lack of a full payment application and interest/fee breakdown. 

Ongoing harm / urgent issue : The company is moving toward sale while the dispute is active and while it has not provided the complete records necessary to validate repossession authority, the amount due, and compliance with notice and accounting requirements. 


I am requesting the following resolution : XXXX. Immediate return of my vehicle via tow at the companys expense and written confirmation that all sale/auction activity is halted ; XXXX. Full production by email of all notices and the addresses/dates used, complete post-repo accounting, full interest/fee breakdown supporting the claimed amount, and complete payment application history ( including bankruptcy period payments ) ; XXXX. Correction/reconciliation of credit reporting and the claimed balance to eliminate unsupported interest/fees and resolve the charge-off discrepancy.

Company response to consumer: Closed with explanation