Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Fuel Capital Group
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding the aggressive, deceptive, and harassing tactics being employed by representatives of XXXX XXXX and their affiliated agents, including XXXX XXXX and the repossession company XXXX XXXX XXXX XXXX XXXX. 

The situation began with a series of threatening communications. I received a voicemail stating that the bank was preparing to file a " hindering concealment '' claima term that inaccurately implies criminal intentand initiate a " replevin '' process. I was falsely told that once this process began, all options for settlement or credit deletion would be permanently eliminated, creating a coercive sense of urgency. 

This was followed by an email offering two resolution options : a monetary settlement or a " Credit Deletion '' option. The latter, which involved wiping the account from all credit bureaus in exchange for payment, was strongly recommended despite being a questionable " pay-for-delete '' scheme that undermines credit reporting integrity.

The harassment escalated significantly when XXXX XXXX began contacting my family members. She called my son, my mother, and my ex-wife. In these calls, she deceptively identified herself as " XXXX XXXX, '' a title meant to impersonate a law enforcement or government official, and stated she could help me " out of a situation. '' She also sent a text message to my cell phone stating, " XXXX need case number on XXXX stolen vehicle XXXX, '' where " XXXX '' is the last XXXX digits of my vehicle 's VIN. This is an unconscionable attempt to falsely label my vehicle as stolen and intimidate me. 

I subsequently received a formal demand letter from XXXX XXXX, dated XX/XX/year>, which set a deadline of XX/XX/year>, to arrange for the return of the vehicle or face legal action and additional costs. 

Now, despite this official channel of communication being established directly with me, the harassment has intensified. The repossession company hired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is now repeatedly calling my son and harassing him. My son is a third party who has no responsibility for this account, and these calls are causing him significant distress. 

Summary of Violations and Unlawful Conduct The actions described above suggest multiple and serious violations of federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 

1. Violation : Harassment of Third Parties - FDCPA 805 ( b ) & 806 Detail : The repeated calls from both XXXX XXXX and now XXXX XXXX XXXXXXXX XXXX XXXX to my son, mother, and ex-wife constitute harassment. The law strictly limits third-party contact to a single request for location information only. Disclosing the nature of the call, harassing family members, and continuing to contact them is illegal. 

XXXX. Violation : False or Misleading Representations - FDCPA XXXX Detail : XXXX XXXX identifying herself as " Agent XXXX '' is a deliberate misrepresentation to intimidate by implying law enforcement authority. This is a clear and serious violation. 

XXXX. Violation : Unfair or Unconscionable Means - FDCPA 808 Detail : The text message falsely labeling my vehicle as " stolen '' using a fabricated case number and my VIN is an unconscionable tactic designed to threaten and cause extreme emotional distress. It goes far beyond legitimate debt collection. 

XXXX. Violation : Deceptive Threats of Legal Action - FDCPA 807 ( 5 ) Detail : The initial threat of " hindering concealment '' misrepresents the legal situation. Furthermore, the formal letter 's threat to add substantial legal costs is standard, but the earlier claim that I would lose all ability to settle after a XXXX  letter is a deceptive and false representation of my legal rights, made to pressure me into an immediate decision. 

XXXX. Violation : Deceptive " Pay-for-Delete '' Offer Detail : The offer of " credit deletion '' in exchange for payment is a scheme that violates the core principle of accurate credit reporting and the agreements data furnishers have with credit bureaus.

6. Violation : Continued Harassment Despite Open Communication Detail : Despite having sent a formal letter with a deadline and having an open line of communication with me directly, Strike Acceptance and its agent, XXXX XXXX XXXX XXXX XXXX, are choosing to harass a third party ( my son ). This demonstrates a pattern of abusive conduct rather than a good-faith effort to resolve the matter. 

In summary, the conduct has evolved from aggressive collections into a campaign of harassment, impersonation, and intentional intimidation. The use of a repossession company to harass a family member, after formal demands have been sent directly to me, is particularly egregious and unacceptable. I demand an immediate cessation of all contact with my family members and a full investigation into these unlawful practices.

Company response to consumer: Closed with explanation