Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC
State: NC

Complaint narrative:
My car was repossessed due to a payment error on XX/XX/XXXX. I resolved the issue and made full payment on XX/XX/XXXX and tried to get the car back since XX/XX/XXXX. We have continued to try multiple attempts to get repossikn of the car and they have not be compliant. XXXX and the tow company has not allowed me to get the car. The toe company said me and and my family are banned from the tow lot event hough we had an appointment to come get it and I called and asked if my mom could do the pickup prior to my appointment. They advised as long as she had my photo Id and keys yes, but then when she arrived said I had to be their. Agreed that since we already had an appointment to come back before XXXX and we could get the car. Can back before XXXX and then they told us we would have to call to reschedule an appointment. Which is not what they advised us prior and then was rude ro us and when my mom asked why she lied. She said doesn't matter what I said now you have to make another appointment to get the vehicle. Then they rold us we was banned and xouldnt come back. So we did another appointment for the next day and had a XXXX party release notarized and they declined the appointment over and over. Now the loan company XXXX is telling me by of the initial complaint and the issue with the lot we have to wait until they transport the vehicle to XXXX. Which is XXXX hr. And XXXX mins. Away eventhough the lot is XXXX mins. From my house. This has been since XX/XX/XXXX I have been without a vehicle. XXXX will not order them to give me back my car but instead ro me they are still waiting for a transport. This has been over XXXX weeks and I'm a single mom who has had a financial strain due to this occurrence. I can not pick up my ex, take my daughter to school or pick her up from after-school, church, groceries, nothing. They are being unreasonable and XXXX XXXX i talked ro both times was unruly and unreasonable simply pointing blame saying this was my fault. And last conversation advised me if they knew ew what had originally occurred with the repossession I would of never gotten my vehicle back. Which I have proof of all correspondence. I have continued to call and get no where. I'm human and should be treated as such this is my vehicle that I have had for yrs. And have never had this issue. The company seems ro be in cahoots with the tow company and not allowing an resolution to fit me the consumer who is paying for the vehicle. I have filed complaints with the BBB, XXXX on your side, and also the corporate office of the tow company. But XXXX allowed this and it's unacceptable once the account was resolved I should of regained access to my property. Holding it is retaliation and now I'm concerned for the damages they initially caused during the tow with the emergency break and now any additional damages. Bc if you spiteful enough to keep it what else will you do. I Just want my vehicle back and life to go back to normal. I rebuke the XXXX and what he is trying to do and I'm complaining bc the finance company is not doing the lawful thing. This is wrong, drawn out, and unfair that they try to punish me in addition to the legal issue this has already caused. It's not their right or place to try to do illegal justice. I have repented and talked to XXXX and I'm willing to tell my truth. But it it not fair that they are using my property I pay for as a pawn. This is a bad company with irrational morals, they never called me to alert me their was a payment isses and I find that strange. Also why would your best interest not be for the customer who is supporting your business and had continue to make payments for yrs. I have experienced an illegal tow before and was able to get my money back. But did not experience them taking my car. It was disturbing and I acted irrationally to protect my vehicle and my assets I work hard for. For that I will take accountability but keeping the car and not allowing me to retrieve it when you took my money is unacceptable. This is bad business and once this resolved I will be looking to find another lender.

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