Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
Consumer Complaint Vehicle Repossession and Post Reinstatement Issues To Whom It May Concern I co- financed a XXXX XXXX XXXX through Superior Auto in XX/XX/XXXX and made regular payments totaling about {$6000.00} through XX/XX/XXXX including repairs and maintenance. Although I had fallen behind before I always communicated with Superior Auto, made payments toward my balance and brought the account current. 
On the morning of XX/XX/XXXX at XXXX XXXX Superior Auto repossessed my vehicle from my private property after their office opened for the day. My vehicle should not have been taken out of my private property because XXXX himself told me the only reason they had not repossessed it earlier was due to it being in my yard with private property and no trespassing signs. XXXX said he sent in a picture during the repossession that gave the green light from someone higher up to take my vehicle. When I later asked who approved it a representative named XXXX confirmed that no specific person authorized the repossession and that it was triggered automatically due to a contract breach. She also stated this situation was unusual and that Superior Auto was waiting on a response from their compliance department. 
I have received no written resolution or explanation and the conflicting stories make no sense. What changed and where is the legal authorization to remove my vehicle from private property None of this adds up. 
On XX/XX/XXXX around XXXXXXXX XXXX I paid {$890.00} to reinstate my account. This payment covered fees XXXX insurance and the past due car note balance. After reinstatement XXXX requested to use my original key fob because theirs was not working to unlock the vehicle and return my belongings which took about an hour. During that time XXXX made multiple quiet phone calls inside the building and moved repeatedly between the office and my car. He and another employee XXXX used my fob to start the vehicle then moved it to the front of the lot. It had been blocked in by two other cars in the back, a setup I had never seen before. 
XXXX was unusually insistent that the vehicle remain on and running after he parked it strongly implying I should not turn it off. I now understand this was because they knew something was wrong with the vehicle before releasing it back to me. The car had nearly a full tank of gas and a fresh oil change prior to repossession so it would not have had any issue staying on while I buckled my kids in. 
Immediately after getting in the vehicle to drive home I noticed a warning light for XXXX XXXX on the dash and discovered the AC was not working. I drove straight home due to the heat. After turning the car off it would not restart. I called Superior Auto to report it and XXXX came to my house to attempt a jump start. The attempt failed. During that visit XXXX admitted to mishandling paperwork because he was new- further evidence of their lack of proper process and care. My vehicle should have been returned in the same condition it was taken without new mechanical issues. 
Every time I call Superior Auto I am told and I quote this situation has never happened before and that higher ups must respond. No one can tell me how long it will take or what steps to follow, This is currently a dealership accountability problem and repair issue. 
I was informed by my previous warranty provider that as of XX/XX/XXXX Superior Auto switched coverage to XXXX XXXX  This transition was sudden. I reached out to XXXX XXXX and was told they could not help unless I towed the vehicle to a repair shop, a cost I can not afford after reinstating my account. 
I then spoke with XXXX at Superior Autos home office who confirmed she would escalate the matter to the general manager. She agreed it made no sense that my vehicle is now inoperable after being returned, acknowledged I allowed use of my key fob temporarily and admitted I was never informed it would be swapped or that there were any starting issues while the vehicle was in their custody. 
The inconsistent and conflicting information from Superior Auto representatives raises serious concerns about their compliance with proper procedures. I believe Superior Auto breached their contract in multiple ways including Trespassing on my private property without my consent or any legal authorization Breaching the peace by forcibly taking my vehicle despite clear private property signage after admitting they knew it was there Damaging the vehicle during or after repossession without informing me or accepting responsibility Failing to return the vehicle in the same operable condition it was taken Proceeding with repossession without specific authorization as required by contract and law Failing to provide timely or adequate communication and resolution regarding my vehicles status and condition Given these facts Superior Auto failed to uphold their contractual obligations to return my vehicle in the same condition it was taken or to ensure it was operable upon return. This breach has caused me significant inconvenience, safety concerns and financial harm. 
I am requesting on of the following resolutions Full warranty repair and tow A vehicle swap of equal or lesser value with the difference calculated correctly Reimbursement of approximately {$7000.00} for payments and related losses. 

Evidence Link XXXX XXXX XXXX XXXX XXXX

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