Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FC HoldCo LLC
State: NV

Complaint narrative:
So in XX/XX/XXXX I lost my job and did not qualify for unemployment benefits. I reached out to the finance company to see if there were any options available because they had already given me a deferment earlier in XXXX after relocating fromXX/XX/XXXXback to XX/XX/XXXX They informed me that there were no options available because you're only allowed to have XXXX deferment in a year. In XXXX of XXXX I contacted them again and they told me if I can come up with XXXX payment that I could apply for a loan modification to reduce my payment monthly. That I was unsuccessful. Being stressed out from not being able to pay my rent because I didn't have a job and I was not even thinking about my car payment to be honest, I didn't make a car payment. XX/XX/XXXX of XXXX I had a missed phone call and a voicemail from someone from the finance company telling me that I had to call them back by XXXXXX/XX/XXXX. that day and I didn't get the voicemail until XXXX that evening. I went to go out to go to the grocery store and my car was gone from the carport in my apartment complex. I called the police and they told me that my car had been repossessed. The next morning XX/XX/XXXX, I contacted the finance company and they did indeed tell me that they repossess my vehicle. They told me that I needed to take the key to the tow yard and pick up my belongings. They told me that at any time my vehicle could be transported to the auction storage. They told me that I needed to pay almost {$3000.00} to get my vehicle back. They told me I had until XXXX the XXXX or my car would be auctioned. I didn't form them that I got paid on the XXXX of XXXX and that I would have the money to get my vehicle back no later than the XXXX of XXXXThey never told me that The auction storage was in another state. The morning of the XXXX of XXXX my car was transported toXX/XX/XXXXto their auction storage. They never notified me of that. They never notified me in writing of anything. I reached out to the tow yard to set a time for me to come get my belongings because my work badge was in my vehicle and drop off a key and the appointment was set for XXXX the XXXX or XXXX I'm so sorry. So on XXXX the XXXX when I paid the payment to get my vehicle back I had to call the finance company to let them know and then they had to let me talk to someone else to release the hold on my vehicle. At that point the person who was releasing the hold on my vehicle made a comment about my car being moved. And I told her that was incorrect that I was going that day so that would have been the XXXX of XXXX to pick up my belongings so I would just contact the tow yard to let them not be picking up my vehicle. And she said okay no worries. So I contacted the tow yard to let them know that I be coming to pick up my vehicle and was informed at my vehicle was moved on XXXX the XXXX to XX/XX/XXXX to the auction storage. I spent the next day and a half XXXX days on the phone with the finance company trying to figure out how I'm going to get my car from XX/XX/XXXX because they had taken my only transportation out of state. Only once I again asked for a letter to give to housing because I was I'm fighting an eviction currently did they provide me with a generic letter that had no dates it had no dollar amounts It was not specific to my situation. It actually said that I had to pay all of my car off to get my car back and when I asked them to fix it because that's not what they're supposed to give me they refused. They never gave me documentation stating that I paid to get my car back no receipt from the auction storage they never provided me with anything. The tow yard actually damaged my vehicle the shifter and that shifts gears they actually damage that they broke things off my rearview mirror instead of just unclipping them. They literally had all of my belongings well most of my belongings in a trash bag with an ashtray and dumped all over everything and it was sitting in the dirt in the tow yard. I've tried to reach out to several lawyers because I was told that I had a case against this finance company. And I have been told by lawyers that I don't have a case because they're going off of XX/XX/XXXX repossession laws which I was told that's not the way this works. I live in the state of XX/XX/XXXX My car was bought in XX/XX/XXXXand I moved to XX/XX/XXXX. XXXX XXXX XXXX is the name of the finance company and they are terrible. They also told me after I paid to get my car back that I can apply for a loan modification to reduce my monthly payment because I'm struggling still and when I asked about that after I made my first payment they told me I had to make XXXX payments there's stuff keeps changing I don't think that they should have been allowed to move my car out of the state of XX/XX/XXXX less than XXXXXX/XX/XXXXafter repossessing it. They literally thought that I was not going to pay to get my car back. If you guys can provide information to me of a lawyer in XX/XX/XXXX that will help me with a case I would appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation