Consumer complaint received 2025-12-09 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: FC HoldCo LLC
State: FL

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed illegally and in violation of federal and Florida law. A tow truck from XXXX XXXX XXXX XXXX & XXXX backed into my private driveway without permission. I went outside and clearly told the driver not to enter my property. I also repeatedly yelled STOP, I OBJECT, PUT MY CAR DOWN as he began lifting my vehicle. He ignored everything I said and continued anyway. This created a loud and chaotic scene witnessed by my family, neighbors, and a friend, and it constitutes a breach of the peace under XXXX XXXX. I have multiple witness statements and a police report documenting this. 

The driver hooked my XXXX vehicle improperly from the front and dragged it with the parking brake engaged, causing likely damage to the drivetrain. I was inside the vehicle retrieving items when he lifted it, and he continued moving while I was still there. He trespassed onto my property, ignored direct objections, and forcibly removed the car. Under XXXX  and XXXX  law, this makes the repossession illegal. 

Afterward, when I attempted to retrieve my personal property from the tow yard, I was yelled at, cursed at, and denied access to essential items, including medications, financial documents, business equipment, and my childs belongings. I was told I could only retrieve my property if I signed a form waiving my right to sue for damages. This is coercive, illegal, and violates my consumer rights. My personal belongings were wrongfully seized without a warrant or court order. 

XXXX XXXX XXXX is responsible under the FTC XXXX XXXX, which makes them liable for all actions of the dealership and repossession vendors. Additionally, I never gave XXXX  permission to share my personal identifying information with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX I never provided my vehicle details, personal address, or phone number to these companies. Under Florida law, this is a violation of my constitutional right to privacy and may constitute identity theft ( Florida XXXX. XXXX ). 

XXXX also sent me a Notice XXXX XXXX to Sell to my mothers address, which is not my address and was never provided by me. I do not know how they obtained it, and this improper notice violates XXXX XXXX and XXXX. An incorrect address invalidates the sale notice and further demonstrates mishandling of my private information. 

Because of these actions, I have suffered distress, loss of property, denial of essential medications, potential damage to my vehicle, violation of my constitutional rights, privacy violations, coercion, and unlawful collection activity. I am requesting that the CFPB open an investigation, ensure that the unlawful sale of my vehicle is stopped, require XXXX to return my personal property, and hold the company accountable for these violations.

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