Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Fuel Capital Group
State: FL

Complaint narrative:
Statement of Facts Disputed Motorcycle Loan On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, a dealership located in Texas. The financing for this purchase was arranged through XXXX XXXX, a loan company based in California. 
I paid a {$1000.00} down payment and an additional {$350.00} for shipping to XXXX  XXXX XXXX to have the motorcycle delivered to me in Florida. Upon arrival, the motorcycle was damaged and would not start. I immediately contacted XXXX  XXXX XXXX to report the issues. The dealership instructed me to handle the repairs on my own. 
I took the motorcycle to an authorized XXXX mechanic in XXXX, Florida. During the inspection and repairs, it was discovered that : The speedometer installed on the bike had a different VIN number than the actual motorcycle. 
The true mileage of the motorcycle was approximately XXXX miles, not XXXX miles as stated in the sales contract. 
The speedometer itself showed an additional XXXX miles, further confirming inconsistencies. 
I spent approximately {$10000.00} to restore the motorcycle mechanically and cosmetically. I provided both the dealership and XXXX XXXX with invoices and requested that the loan contract be restructured by adjusting the price of the bike to reflect the accurate mileage and condition. Initially, both parties expressed willingness to do whatever it took to resolve the matter, but soon after, they stopped responding entirelyignoring my emails, phone calls, and voicemails. 
Despite the lack of communication, I continued making monthly payments of {$590.00}, as well as maintaining full insurance coverage, from XX/XX/XXXX through XX/XX/XXXX. Due to the ongoing silence from both the dealership and the lender, I sought legal representation in Florida. I was advised that I needed an attorney licensed in Texas, where the sale occurred. 
I subsequently retained XXXX XXXX XXXX XXXX to pursue this matter. My attorney reached out to both XXXX  XXXX XXXX and XXXX XXXX, but neither party responded. 
In XX/XX/XXXX, I reviewed my credit report and discovered that XXXX XXXX had closed the account in XX/XX/XXXX, marking it as Paid in Full. However, when I contacted them for verification, they claimed to have no record of my account. Based on this, and under legal guidance, I stopped making payments in XX/XX/XXXX. 
XXXX XXXX XXXX informed me that further legal action would require filing a civil suit, with an estimated {$15000.00} filing and processing cost, and travel to California for court proceedings. I did not have the financial means to pursue this option. 
In XX/XX/XXXX, XXXX XXXX unexpectedly contacted me again, requesting that I resume payments. I explained that the motorcycle sale had been fraudulent and provided all previous documentation from XXXX, including invoices, photos, and correspondence. XXXX XXXX maintained that I still owed on the loan, while refusing to acknowledge the earlier findings or my prior communications. I again contacted XXXX XXXX XXXX, but after 60 days with no response from the lender, I received the same advice as beforepursuing a civil suit would require upfront legal fees of {$15000.00} and travel expenses to California, which I could not afford. 

Summary I have made every reasonable attempt to resolve this matter in good faith : I notified both the dealership and lender immediately upon discovering the issues.

I provided documentation and offered to renegotiate based on the verified mileage and repair costs.

I continued making payments for nine months despite non-cooperation.

I retained legal counsel on two separate occasions.

Due to no response or resolution from either XXXX  XXXX XXXX or XXXX XXXX, this fraudulent transaction remains unresolved. The loan now appears on my credit report as a charge-off, which I understand reflects the account statusbut this does not mean I am abandoning efforts to correct the matter.

Company response to consumer: Closed with explanation