Consumer complaint received 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Merchants Automotive Group LLC
State: MA

Complaint narrative:
YOUR COMPLAINT -Seller went under ( bankrupt ) and never received documentation. -The lien holder, Right Direction Financial , was completing fraud moves such as, not providing a XXXX to get paid by my crisis worker, repossessing my car on private property, harassment ( calling my sister and father ), not helping with {$10000.00} worth of damage, refusing default to cure. -committed title fraud by selling my car to XXXX owners with a contract still valid and title still active. XXXX said the car was in an accident when there was evidence by the XXXX. -The title was changed XX/XX/year> ( yesterday ), after XXXX owners. -The lien holder made an insurance policy in my name and I paid the deductible. -I warned XXXX about discrepancies and the safety risk but no one listened. -There is odometer fraud all over the place. -Car is worth {$2500.00} and sold for {$8900.00} at auction. -Car was not worked on based on review. -My file was in a box with a check but now they are saying I do not get money back. -They want XXXX people to pay for the full car. My contract is null. Now it is the owner 's loan and I should receive my money back, compensation for my belongings, reimbursement for my insurance, XXXX, and gap insurance, and pain and suffering for selling me a lemon ( knowing all the damage ) and not getting much time. I missed doctors appointments, parties, gatherings, etc. -It went into XXXX XXXX  many times and insurance was barely covered but paid {$900.00}. -Lien holder was so rude and didn't care about calling my family. They refused to send me documents that they claim they did but would be held at the post office. -They claim they don't need to tell me about throwing away my belongings but I called and they didn't know where my car is. The next time, my car had nothing in it. I lost my XXXXXXXX XXXX {$3500.00} wedding ring ( all I have of her. ) I am moving so I had a lot of stuff. I have witnesses who were helping me. -went through the dark web to get into the XXXX XXXX. -There is probably more but I can't think of it. 
Now Im with XXXX XXXX XXXX who threw my stuff away before brought to the lot. They accused me of it being too late. The car was brought to XXXX XXXX XXXX with {$10000.00} of damage. I read many car reports and they are different. There is odometer discrepancies ( can show documentation. ) There is title fraud as well. My car was repossessed due to not accepting payments. The dealer went bankrupt, there could have been more damage during towing ( trespassing on police report, ) the lien holder went under. I was supposed to be assigned to XXXX XXXX XXXX for my repossession and who I pay for my cure of deficiency but have only been sent an email thats not official. I was sent to XXXX XXXX which is a car dealership so who would I pay for the car? I cant reach XXXX or RDFS and Ive tried to get information to do so to know where the auction was but XXXX tell me and I was not allowed to have an appraiser look at it. Currently, XXXX XXXX is trying to sell my car now in a new color for {$9000.00} and expecting XXXX people to pay for a car when I have no lien holder, no dealer and technically the contract is null because I applied with RDFS. They also fail to follow Massachusetts laws, as my car was registered in MA. I just want what I paid so far, my deposit back, and waive any fees. XXXX said it would crash anytime so I hope this helps in my favor because Im missing my niece grow up and treatments for being XXXX XXXX XXXX XXXX. At this point, there is no reason to keep pursuing this because I am in the right. The outcome I want is the money I payed so far, waive the fees, security deposit and {$2000.00} for all my stuff being thrown out. I was moving when you repossessed it. The dealer is just money hungry and being sneaky to get money for the car from XXXX people to keep. I would investigate them very well. Somethings that were said and done dont add up. Please investigate these companies before people are hurt. 

XXXX XXXX

Company response to consumer: Untimely response