Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Palisades Funding Corporation
State: NY

Complaint narrative:
XX/XX/XXXX I financed car from XXXX XXXX with {$15000.00} down. {$5000.00} cash and {$10000.00} in check is what dealership asked me to get and after I drove off lot. My contract was for 3 years with 25 days that could be missed before they can consider repossession and instructions on how to pay and late fees. Every month they sent the same letter that shows my balance and next due date. I never spoke to the lender ( Palisades funding Corp ) until my first ACH payment return which was XX/XX/XXXX and is month XXXX of my contract. My bill due XX/XX/XXXX was paid XX/XX/XXXX through my debit card which is 7 days missed. My bill every month is {$1000.00} and the collection agent didn't want to wait for my bank to increase my daily amount for this day, so she took a {$1000.00} and told me she can take the rest Monday XX/XX/XXXX because they don't operate Saturday and Sunday. In doing this, the agent still gave me an extra 2 days missed for her taking the rest the following Monday because XX/XX/XXXX was a Friday. On Monday XX/XX/XXXX, I told the agent my next payment will be late within my Missed days left so I could pay for my Dads head stone for his grave and pay my car note. So I told her I'll pay my bill on XX/XX/XXXX which is 12 days from my due date XX/XX/XXXX, and me and the agent was understood. XX/XX/XXXX landed on Sunday so she called me the XXXX which was Monday to remind me of the ACH return. I reminded her what we spoke on a month ago on me paying my bill XX/XX/XXXX which would make 7 days + 12 days = 19 days missed, 21 days missed if the extra 2 days counted. However, this Friday XX/XX/XXXX another lady answered with an immediate attitude when I told her my name and she sternly asked me am I ready to pay and I said yes. But I also had questions that she wouldn't answer, so she got arrogant and hung up on me and continued to not answer my phone calls from XXXX to their closing time. I decided to pay XXXX because she wasn't trying to explain a {$30.00} dollar fee she was trying to apply because my contract told me every thing up front what should happen should I be late. XX/XX/XXXX XXXX would not accept my payment without the full account number. Now I just found out they never gave me the full docket number for the account, so this means it's Friday and XXXXlisades Funding Corp is closed and I had to wait until Monday to get full account number to pay bill. So even though I couldn't pay XX/XX/XXXX due to not being given full account. Monday XX/XX/XXXX would make 23 missed days which they were paid at XXXX XXXX XXXX. I called them after the payment was made to confirm and It was done. From XXXX to XXXX I spent lunch in my car and went back to work, then got off at XXXX and the car was gone with my phone and other personal items. Finally I called the lender to tell them the car was stolen and a XXXX XXXX confirmed they repoed it due to me not paying. At this point I'm confused and in jeopardy of losing a contract agreement. He called me the following Wednesday ( XXXX XXXX ) telling me I need 3 payment and the repo fee to retrieve car. I asked him how did you guys just take my car and never got a response. Friday XX/XX/XXXX I had the 3 payments and repo fee and then it changed to them needing the full amount. I told him I couldn't do that and then I made a complaint with the New York Attorney General. The following Wednesday XX/XX/XXXX XXXX XXXX called me saying they felt bad for taking my car so he can accept half of the repo to release the car. I told him it'll take me an hour and he agreed and the payment was made. I called to confirm payment was made and he then said I still have to pay the repo fee is when I stop giving funds. After learning this I started viewing all the documents given to me and noticed some missed days that were falsified. 
Notice : Falsified dates XX/XX/XXXX XXXX missed days and the 4 of this month is Saturday XX/XX/XXXX XXXX missed days and the 4 of this month is Saturday XX/XX/XXXX XXXX missed days and the 4 of this month is Sunday XX/XX/XXXX XXXX missed days and the 4 of this month is Sunday. 

These dates never existed and this told me they were going to cheat me from the beginning because they explained the reason for taking the car at first. They just kept saying I wouldn't pay and I told her I'm not paying. I was a year away from paying a {$57000.00} dollar car. They also never gave back my personal belongings ( XXXX XXXX XXXX, Car Charge booster, {$84.00} bottle of XXXX and XXXX tools and personal paper work. They finally 3 months later pick up my belongings and all what was left is my laundry and my License plates were gone. Last but not least the car was right back at the dealership I brought it from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation