Consumer complaint received 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
To whom it may concern, On or around XX/XX/year> at around XXXX I noticed that there was an attempt to repo my car. I caught the gentlemen in the middle of the tow before the car was lifted and let them know that I did not consent and told them not to take my car. The XXXX gentlemen continued anyway breaching the peace at my parents residence and church. I let them know that the residence I was residing was also a church and that they are trespassing. I also let them know about my consumer rights, and that they were breaching the peace. They continued even physically assaulting me by knocking my camera from my hand as I was recording, and that's when I jumped into my passenger side of my vehicle. XXXX of the repo men jumped into my driver side yelling, in my face and making some pretty outlandish threats all while spitting in my face, and decided to light a cigarette blowing the smoke in my face as well. I stayed in the vehicle, and he then called the police. The police came to the scene where they let the repo men know they had to leave, I also filed assault charges against the men with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Prior to this I had been talking to the company about the allonges to my contract as well as the initial negotiable instrument per as I wanted to negotiate the contract as per Constitution Article XXXX Section XXXX states : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of XXXX XXXX XXXX XXXX coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any XXXX XXXX XXXX, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. Also stated that : money is In usual and ordinary acception it means gold, silver, or paper money used as circulating medium of exchange, and does not embraced notes, bonds, evidences of debt, or other personal or real estate. 

Further more I asked for the XXXX 'S information to file with them the proper UCC-s which I was denied the information, as well as lied to about receiving paper statements via mail. They have been giving me the run around on documentation, and in Arizona it takes an initial 90 days for them to come to the conclusion of repossession. Furthermore the initial contract is built on Fraud and they have acted in a fraudulent manner making the contract void of any negotiation or payment.

The fraud being withholding my initial license plates after signing the contract initially, and forcing me to pay my first bill in order to receive them. Revoking my gap insurance, and initially forcing me to pay a down payment. They also withheld information on how to sign the document, as the initial loan was generated from my signature. My signature was the initial payment and bond to the contract. 

I will also site here for my UCC filings over the contract making it void for documentation. My UCC 3-104 UCC 3-603 UCC1-308and UCC 3-419 and HJR192.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation