Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this account. In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license https : //www.flagshipcredit.com/customer-center/ per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the XXXX. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated. 

I stated in this complaint that I never enter into an agreement with Flagship only with the dealership who sent me the title to the vehicle I later sent a email to thank the owner. I have never enter into an agreement with flagship which I have repeatedly stated. Flagship denied me twice which is documented. If there is a dispute flagship should take it up with the dealership by collecting there funds. I have never signed any agreement with Flagship, if there is a contract it is fraud and I will report it as such. Flagship does not lend to individuals with license so how could I have a contract with flagship? Isn't it stated that Flagship does not lend to anyone with license? Please provide your policy or terms when one want to take a loan from flagship, please highlight and make it clear that you do not lend without license as stated. 

This is important because it proves that XXXX XXXX and Flagship could have never had an agreement nor contract. Please attach that information to this compliant as requested. I believe you all have made the mistake of fraudulently conjuring up a contract in order to fit the idea of us being in agreement however your fight is with the dealer is any fight at all. From this point forward I am filing a lawsuit against Flagship as you have cost me emotional and financial damage with stress beyond measure. I look forward to hearing back with this information, I also ask that you request your funds back from the dealer and return the car to the dealer as I will work with them on returning the car. 
I also want to mentioned that it was stated that the XXXX was perfected however in order for this to be done I would have to have been in agreement in some sort of contract with Flagship which I have never been in any agreement with Flagship my business was only with the dealer. Your contract is fraudulent and the courts will agree. 
As you are aware this car was giving in XXXX and no payments were ever made to flagship this is because I had no duty to flagship to pay the car was mines I even took out a title loan from a second car. It was until XXXX that Flagship so perfected the lien on this account. This is purely some sort of corruption going on with flagship that need a investigate by the Attorney General etc maybe other corruption is going on within the company. Thank you look forward to your response XXXX, XXXX XXXX

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