Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WHEELS FINANCIAL GROUP, LLC.
State: TN

Complaint narrative:
Demand for Return of Repossessed Vehicle XXXX XXXX XXXX - I am writing to formally contest the repossession of my vehicle, a [ Vehicle Make, Model, Year, XXXX ], which was taken on XXXX - I firmly believe that this repossession was unlawful under Tennessee law and constitutes predatory lending practices by [ Lenders Name ]. 

# # # Key Points of Concern : 1. * * Lack of Communication * * : I did not receive any communication from [ Lender 's Name ] for over 120 days prior to the repossession, violating Tennessee Code Annotated XXXX, which requires notice of default and the right to cure. 

2. * * Breach of Peace * * : The repo agent ignored my clear objections during the repossession, which constitutes a breach of peace, as outlined in Tennessee Code Annotated XXXX. 

3. * * Hold on Vehicle * * : I am placing a hold on my vehicle pending negotiations regarding its return. The lender must ensure that the vehicle is not sold or disposed of while we resolve this matter.

4. * * Location Services Issues * * : It has come to my attention that the location services company had no record of my vehicle for nearly 24 hours after to the repossession. This raises questions about the legitimacy of the repossession process.

5. * * Tow Company Practices * * : I have been informed that the tow company stated the repossession order had been open for two years but had never been executed at my home address. Additionally, the driver indicated that the company purchased the order, which may violate Tennessee laws regarding repossession practices.

6. * * Monetary Damages * * : Due to the unlawful nature of this repossession and the distress it has caused, I will also be seeking monetary damages. This includes compensation for any financial loss, emotional distress, and any other damages incurred as a result of this action.

7.Furthermore, it is important to note that despite the repossession occurring on XXXX I have yet to receive any communication from XXXX XXXX XXXX within 10 days of the event. Tennessee Code Annotated XXXX mandates that a secured party must provide a notice of disposition of the collateral following repossession. The failure to contact me regarding the status of the vehicle and the next steps constitutes a violation of this requirement, further affirming the illegitimacy of the repossession process and the lender 's obligations under TN Laws and regulations. 

Given these violations and the predatory lending behavior exhibited by XXXX XXXX XXXX XXXX I demand the immediate return of my vehicle without any fees or penalties. 

Please respond to this letter within XXXX business days to confirm the hold on my vehicle and the return of my property. Should I not receive a satisfactory reply, I will be compelled to pursue legal action to reclaim my vehicle and seek damages for unlawful repossession and predatory practices. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation