Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Auto Credit
State: CA

Complaint narrative:
Account Number XXXX Vehicle Description XXXX XXXX XXXX Amount Due Today {$560.00} Next Payment Due Date XX/XX/XXXX In XX/XX/XXXX, my vehicle payment with Premier Auto Credit ( approx. $ XXXX monthly ) was due on XX/XX/XXXX. Around that time, I experienced a serious family emergency that required me to travel to XXXX immediately. Subject : Consumer Rebuttal - XXXX XXXX. XXXX Attention : Consumer Financial Protection Bureau ( CFPB )/ Premier Auto Credit I am submitting this formal response to the statements made by Premier Auto Credit regarding my financing and the XXXX XXXX XXXX. I categorically deny the allegations of " intent to defraud '' or " concealment '' of the property based on the following points : 1. Inconsistent Communication and Lack of Good Faith Contrary to the creditors claims, I have maintained open lines of communication. I possess audio evidence of phone conversations where company representatives initially displayed a helpful attitude, inquiring about my well-being and assuring me they would find a solution. The hostile stance they are now taking directly contradicts these documented conversations where support was offered. 2. Unprofessional Conduct and Harassment Throughout this process, I have been subjected to dehumanizing treatment by the creditor 's staff. Representatives have explicitly stated that they " do not care '' or We don't XXXX care about your family or you about my personal hardships or my current housing vulnerability. Illegal Intimidation : I was threatened with the involvement of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to intervene in a foreign country to recover the unit. I consider these intimidation tactics to be abusive, legally baseless, and a violation of consumer protection standards. 3. Transparency Regarding the Vehicles Location I reiterate that the vehicle is not being hidden. It is secured on my private property, in excellent mechanical and aesthetic condition. The creditor is aware of my identity and my location ; the fact that the vehicle is in a secure location does not constitute an attempt to defraud, but rather the protection of the asset while a financial resolution is reached. 4. Intent to Comply and Plan of Action It is my full intention to meet my financial obligations. I request the CFPBs mediation to allow for the following : To cure the default by paying the accumulated monthly installments once my financial planning is finalized. To coordinate the safe return of the unit to United States territory, specifically to the state of XXXX, to normalize the contract terms. Conclusion I firmly reject the label of " fraud. '' A client intending to defraud would cease communication ; I, however, am actively responding, disclosing the vehicle 's location, and reporting the threats of military force and the indignity I have faced from Premier Auto Credit. I request that my willingness to pay and return the unit under a fair agreement, free from coercion, be taken into account. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation