Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CURO Intermediate Holdings
State: PA

Complaint narrative:
I believe it was XX/XX/XXXX I had called XXXX XXXX about my car loan asking them what I had to do to be able to keep my vehicle. She asked the reason why I was behind and I was brutally honest with her I told her I was just getting out of a XXXX  XXXX relationship that he had taken me for everything I was starting all over again she didn't really seem to care but said that they would work with me, she asked me when I would be able to make a payment and I told her that XXXX  I got paid and then I would do a promise to pay XXXX  rolled around and because my car payment is so high and they won't refinance me to lower my payment which I had asked prior I didn't even care if it was just {$10.00} {$20.00} anything to help me lower my payments to where I was able to meet my payment, it would have taken my whole paycheck of XXXX I'm a single mom of XXXX boys so I I messaged them on the app telling them that I had {$320.00} that I could send today that I would pay the remaining {$130.00} over the weekend by XXXX  I would have that money. And they said that was fine that they put a note in there I got the money around I added it to my card paid my bill of XXXX so I thought for some odd reason which later I come to find out by calling the card that my card was locked is why they didn't take the XXXX payment it kicked it back so instead of XXXX XXXX  contacting me and telling me that my payment was kicked back had they done that I would have probably got on that bank app to see that my card was locked and I would unlock it so they could have taken their XXXX instead they came early in the morning and repossessed my vehicle I still had groceries in my car I had gotten home late carried in most of my groceries still had groceries in the back my purse was out there my keys my wallet my everything I was exhausted from working all day going grocery shopping and tending to my XXXX children they couldn't even knock on my door and tell me that they were repoing my vehicle. I go to leave for work I walk outside and my car is gone no paperwork no nothing no phone call no nothing. I legit thought somebody had stolen my vehicle because I said there's no way that they're going to repossess my vehicle I paid. So I thought. Should I come to find out that my vehicle is not stolen that they had repossessed my vehicle. I have requested all documentation because I feel like this repossession was illegal I feel like they didn't take the proper steps to repossess my vehicle the last time they repossessed my vehicle I got the car back running like XXXX. I actually had dents in my vehicle that weren't there prior to the repossession. When it happened the other time I came up with the money the {$1500.00} and got my car out of XXXX I thought well maybe I can do the same thing this time you know I've fallen on some hardship times just getting out of a bad relationship you know I'm going to get back up on my feet but I need my vehicle and they're like no you need to have paid the full loan off. I feel like had they worked with me prior to letting me refinance for a lower payment it would have escalated. I understand that I was 2 months behind but I was at least trying I was offering to pay them weekly till the XXXX months were caught off and they couldn't even give me the common courtesy to let me know that the XXXX was kicked back or that they had even repossessed my vehicle. So here we are a weekend and they're talking about selling it which I understand that's the process so I have personal belongings in this vehicle and I have a hitch pulling system that I personally put in my vehicle that I paid for out-of-pocket and I get a hold of the repossession people today and they go ahead and let me know that the bank had sent people there to take my vehicle XXXX XXXX. I had no idea they even came a pic the vehicle up I don't understand why they took my vehicle from XXXXXXXX XXXX XXXX XXXX to XXXX without my knowledge how do they know that I didn't cancel the insurance on this vehicle and they're moving this vehicle with no insurance I just find it very unreasonable. They talk about communication as long as you have communication with us we will work with you well I've had communication this whole time but they haven't had communication with me and I find that very unfair very unjustice. I believe I am entitled to every single piece of paper that they're supposed to have when repoing a vehicle from my knowledge being out of state they should have a cop presence as they took my vehicle my vehicle wasn't even on XXXX XXXX it was in my yard they had no right to be on my property if you asked me they had no right to get in my purse and take my keys to take the vehicle. Any information given to me that I could use to try to get somewhere on this I'm not saying I'm not responsible for paying the car I just feel like I've been treated very not fair and now I'm in a situation on I no longer will have my job because I no longer have a way to work I'm a caregiver I care for people I have to be able to get around with my vehicle that they have that they won't get back until I come up with {$14000.00} and now I have had a hard time finding someone else to finance me I have been denied because of this repossession on my record. It is the XXXX and they've given me to the XXXX thank you for taking the time to read this I appreciate it

Company response to consumer: Closed with explanation