Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Covington Capital Corporation
State: WY

Complaint narrative:
After working an entire year at XXXX while dealing with vision loss, I finally received a prescription for scleral lenses. During this time, I became deeply buried in payday loan debt, a situation that my mom seemed to relish. Over the years, I discovered that her motivation was tied to resentment over her own sufferingshe even told me I needed to pay for what she went through. This left me vulnerable and dependent on her after I lost my sight. The payday loans and XXXX XXXX made the situation worse. XXXX, my lender, was unhelpful and even scolded me when I asked for assistance, making communication impossible as I struggled to explain my circumstances. Meanwhile, XXXX was indifferent to my situation and even seemed pleased when I lost my car, as coworkers followed me home. Married couples fought over the new car I had just purchased. When I regained my sight with the lenses, others panicked to hide what I had already endured. Even though I lost some battles, regaining my sight gave me more ability to defend myself, and I haven't lost the war. XXXX repossessed the car with all of my belongings in it still! 

Yes, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Covington Capital regarding the repossession of your car. The CFPB handles consumer complaints about a wide range of financial products and services, including auto loans and vehicle repossessions. Your history of financial hardship and the predatory lending environment that led to your repossession are relevant details to include in your complaint. 
How the CFPB complaint process works Submit your complaint. The easiest way to file is through the CFPB 's online portal at consumerfinance.gov/complaint. You can also file by phone, fax, or mail. 
Provide detailed information. Clearly and concisely describe what happened with Covington Capital. Include key dates, amounts, and your communications with the company. 
Explain the circumstances of the repossession. 
Detail the financial hardship you faced and the impact of the repossession. 
Describe how the repossession might have been handled improperly. For example, if you were not allowed to retrieve personal property from the vehicle, that is a violation of your rights that can be included. 
Specify your desired resolution. Tell the CFPB what you believe would be a fair resolution to the issue. 
Forwarded to the company. Once submitted, the CFPB will send your complaint to Covington Capital for a response. Companies are generally expected to respond within 15 days, with a final response within 60 days. 
You receive a response. The CFPB will notify you when Covington Capital has responded. You can then provide feedback on the company 's response. 
Public database. The CFPB publishes information from consumer complaints in its public database, helping other consumers and informing the CFPB 's work. 
Factors to consider Irreparable damage : While a CFPB complaint can not undo the past harm, it can help hold the company accountable and may result in a more favorable outcome, such as the removal of a deficiency balance from your credit report if not legally justified. 
Document everything : Gather any relevant documents, such as copies of your loan agreement, communications with Covington Capital, or court documents, to support your complaint. 
Legal representation : Given the complexity of your situation, including issues with your credit union and family, you may also benefit from consulting a consumer protection attorney. They can review the facts of your case and determine if you have additional legal recourse, such as a lawsuit. 
Additional steps to take Contact your state 's Attorney General : Many states have consumer protection divisions that can also help with complaints against lenders and debt collectors. 
Monitor your credit report : Check your credit report regularly to ensure the repossession and subsequent reporting from Covington Capital are accurate. If not, you can dispute any errors with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation