Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I am writing regarding a XXXX XXXX XXXX  I purchased through financing with New City Funding in XX/XX/XXXX while residing in XXXX, NY. Unfortunately, the vehicle turned out to be a lemon, and I have encountered ongoing mechanical issues since the day I acquired it. This letter serves as my final attempt to resolve this matter, as I have made every reasonable effort over the past XXXX years to address this situation with you directly. 
Background of the Issue : Within XXXX days of purchasing the vehicle, the rack and pinion failed, and the steering wheel did not turn properly. I returned the car to the dealership, and while the problem was initially repaired, it resurfaced shortly thereafter. Over the course of owning this vehicle, I have spent more than {$3000.00} on additional repairs related to this and other issues. 
After relocating from XXXX to XXXX, the problems persisted. I contacted your office on multiple occasions to report the ongoing mechanical failures and sought guidance on how to surrender the vehicle. However, I was repeatedly given inconsistent responses and no clear direction. By early XXXX, after losing my job, I requested that the vehicle be repossessed, as I could no longer afford to maintain it. Despite numerous follow-ups providing the location of the car, no action has been taken by your company to retrieve it.

Compliance with New York State Lemon Law : Under New York State Lemon Law, a vehicle is presumed to be a lemon if it has significant defects that impair its use or value, and the manufacturer or dealer is unable to repair the problem after a reasonable number of attempts. In this case : 1. The defects were reported within days of purchase.

2. The vehicle has been repeatedly brought in for repairs for the same issue, demonstrating it was not adequately resolved.

3. The ongoing mechanical failures have rendered the vehicle unreliable and unsafe for use.

New City Funding 's refusal to take the necessary steps to repossess the vehicle and mitigate further financial burden on my mind exacerbates this situation.

I am willing to cooperate in this process and provide any additional information or documentation necessary to facilitate the vehicles return.

If this matter is not resolved promptly, I have no choice but to escalate my complaint. I have already called multiple times, I am currently seeking legal representation unless New City resolves this and the NYS Laws are upheld. 
Conclusion : This situation has caused undue financial and emotional strain, and I strongly believe I was taken advantage of throughout this process. I am again urging New City Funding to take immediate steps to resolve this matter by initiating the repossession of the vehicle. 

Requested voluntary repossession : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX by calling XXXX. I was assured it would be handled, and it is still unresolved. The car has been parked at XXXX XXXX XXXX XXXX NY XXXX since XX/XX/XXXX awaiting pick up.

Company response to consumer: Closed with explanation