Consumer complaint received 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION
State: LA

Complaint narrative:
I bought the car in XXXXXXXX XXXX XXXX at a used car dealer on the border of ohio and indianana. My credit was not the best and upon driving by this dealership i noticed they had flags outside that said " We finance everyone. '' I saw a white jeep that i liked so we stopped in to see on the off chance that they would entertain selling me a much needed vehicle. I inquired about the vehicle and the dealer suggested i do a test drive. When we got back just a few minutes later i walked in and the dealer said congratulations you have been approved. He said all they needed was {$1000.00} down payment and proof of insurance. I bought some insurance online and gave him the {$1000.00}. He had me sign some documents and then handed me the key. Thats when it started. 

I started receiving multiple text a day sometimes an hour from the finance company requesting multiple documents so they could Finance the vehicle. I was a little confused because according to the paperwork is signed, they had already approved the loan. I am a XXXX XXXX veteran and to be honest i was intimidated by all the phone calls and text messages from the bank and the car dealership. When they sent me a pic of my driver 's license bringing to my attention that they had expired a month before. I tried to get a driver 's license in Indiana but they required a birth certificate and yeah like i carry that with me. Renewing my Louisiana Driver 's License online was not an option. You have to be invited to be able to do that. Getting my birth certificate would have taken as much as 6 months to get it online so giving it everything I had to try and keep this much needed vehicle I made a command decision to take a road trip and hopefully get the desired documentation uploaded before they uphold their threats and repossess the vehicle. My plans were to swing by Louisiana get my dl updated shoot over to XXXX  and get a copy of the birth certificate so i could get my dl in XXXX. 

XXXX thing I forgot to mention is that I have XXXX, XXXX, and in the process of changing that many environments I had a XXXX  exasperation and was XXXX  for 4 days. The medical staff informed me that another 5 minutes and i would have been beyond the point of them being able to bring me back. I can't recall ever being that scared before. I eventually got my dl updated and uploaded it to the bank but decided against returning to Indiana out of fear of a relapse. 

The road trip and hospital stay depleted me of funds and i had difficulties making a payment because of it. I am on a fixed income, so it took me a few months to get caught up. Once I got my account current ( actually the same day I made the payment that brought me current ) the bank closed my account and forced the dealer to buy back the loan. I thought this was suspect because I was receiving text messages from the dealer before they closed my account telling me the bank was harassing him about it. My thoughts were what do you have to do with it our transaction was complete the moment the financing was approved. 

I called the bank to discuss this matter with them and they refused to talk to me instead they said my account was closed and they gave me a number to call. The number ended up being a towing/repo company. They told me they did not have the case that they never received it, but the dealer had it. ( how did they know if they never received it? ) Shortly after that phone call i started receiving threatening text messages from the dealer. He told me that he filed a stolen vehicle response with the local police department. 

I just can't help smelling a rat here. Sounds like i have been played. 

I tried to register the vehicle in XXXX, but they said I couldn't because I had not been provided the necessary documents from the car dealer. so ever since the temporary tags ran out my vehicle has been parked in my driveway collecting dust and rust.

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