Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Auto Trakk, LLC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX, and I am submitting this complaint regarding AutoTrak in connection with a vehicle lease for a XXXX XXXX XXXX XXXX, which began on XX/XX/XXXX, and reached its contractual end in XX/XX/XXXX. 

I completed the lease term and have written proof via email confirming this. While there were occasions where payments were late, all payments were ultimately made, including payments made through extensions and hardship programs offered by AutoTrak. At no point did I abandon the obligation. I consistently communicated with AutoTrak and acted in good faith at all times. I will be submitting documentation and proof supporting every statement made in this complaint.

Background and Hardship Disclosure In early XXXX, I fled a XXXX  XXXX situation and relocated from XXXXXXXX XXXX to XXXXXXXX XXXX. During this time, I was homeless and living in a hotel with my four children, for whom I am the sole provider. I informed AutoTrak of : My relocation My housing instability My family circumstances My intent to continue resolving the lease responsibly Despite extreme hardship, I remained communicative and cooperative and continued making payments whenever possible. My vehicle was shipped from XXXX  to XXXX, paid for by my grandmother, and AutoTrak was informed of this arrangement. Proof of shipment, payments, and communications will be submitted. 

End-of-Lease Discussions and Trade-In Agreement As the lease concluded in XX/XX/XXXX, I discussed end-of-lease options with AutoTrak, including : Paying the residual value ( approximately {$4000.00} ) Returning the vehicle and paying damage fees Trading in the vehicle Due to recent homelessness and the need to stabilize housing for my children, I could not pay a lump sum at that time. I ultimately reached an agreement with an AutoTrak supervisor to trade in the vehicle, which was completed. All AutoTrak calls are recorded, and this agreement can be verified. The supervisors involved included XXXX and/or XXXX ( exact name unclear ). I also interacted with XXXX XXXX whose unprofessional conduct caused me to limit communication to supervisors only. Call records and trade-in documentation will be submitted. 

The vehicle was traded for a XXXX XXXX. After approximately 21 days, the lender XXXX XXXX XXXX  XXXX declined to proceed with the financing, and the XXXX was returned. I was then given back possession of the XXXX XXXX. 

Vehicle Turn-In and Sale Without Required Notice After the vehicle was returned to me, AutoTrak claimed I was late on payments and demanded either : Immediate payment of approximately {$4000.00}, or Repossession When asked to turn in the vehicle, I did so voluntarily and without resistance. This was not a forcible repossession, and I continued to request fair resolution and dispute review.

AutoTrak later sold the vehicle at auction without providing me any advance notice of : The date The time The location The method of sale This is a violation of Uniform Commercial Code ( UCC ) Article 9, which requires creditors to provide reasonable authenticated notice before disposing of collateral. The issue is not merely the price obtained at auction, but the fact that the vehicle should not have been sold at all without proper notice. 

I only became aware that the vehicle had been sold after receiving a letter that was dated and sent on XX/XX/XXXX, but not received by me until XX/XX/XXXX. Proof of the mailing date and date of receipt will be submitted.

Improper Balance Calculation and Charges AutoTraks letter states that the vehicle was sold for {$1300.00}, which they then applied as a credit toward an alleged balance of {$4300.00}, leaving a remaining balance of approximately {$2900.00}, which they are now attempting to collect. 

I dispute this balance in full because : I was never provided legally required notice of the sale I was denied the opportunity to redeem, reinstate, or otherwise protect my interest in the vehicle The lease had already ended, making an early termination fee of {$250.00} improper and unsupported The alleged deficiency is the result of AutoTraks failure to follow required legal procedures, not any refusal or neglect on my part Accordingly, I do not owe the remaining balance being claimed.

Inaccurate Credit Reporting AutoTrak has reported this account as a collection on my XXXX  and XXXX  credit reports, despite the unresolved dispute and the lack of required legal notice. This appears to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Credit report documentation will be submitted. 

If the account has been referred to a third-party collector, the Fair Debt Collection Practices Act ( FDCPA ) may also apply.

Additional Regulatory Action Due to the seriousness of these issues, I have also filed a formal complaint with the Texas Department of Motor Vehicles ( DMV ) regarding AutoTraks conduct. I am prepared to submit the DMV case record and supporting documentation upon request.

I am pursuing all appropriate regulatory remedies because I believe AutoTraks actions are unfair, unjustified, and disproportionate, particularly given my consistent communication, good-faith efforts, and personal circumstances as a single mother of four children. I have complied with every request made of me and acted exactly as I said I would at each stage.

Requested Resolution I respectfully request that the CFPB investigate AutoTrak for : Failure to provide required notice prior to the sale of collateral ( UCC Article 9 ) Improper assessment of fees and deficiency balances Unfair or deceptive acts or practices ( UDAAP ) Inaccurate and harmful credit reporting under the FCRA I am requesting : Removal of the alleged remaining balance Removal of all negative credit reporting related to this account Written proof of any alleged auction notice Correction of AutoTraks internal and reported records I am a human being, a parent, and a consumer who acted responsibly and transparently under extremely difficult circumstances. The outcome imposed by AutoTrak is unwarranted and undeserved, and I am prepared to take any further action necessary to protect myself and my children from ongoing harm. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

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