Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS II, LLC
State: OH

Complaint narrative:
I have read the response that Gateway Financial gave. Many errors with the response, as I am not arguing the account opening. What I am arguing is the classification of the account, amount of debt, account not showing insurance claim, amount the car was sold for after said repossession, not receiving a letter stating the amount given back to the account due to them selling it, a 1099c to show the debt as a financial loss/charge off and wrote it off as a profit loss/tax credit. I went further and contacted the insurance company to find out who dropped the ball on this as I had full coverage and gap insurance. I spoke with XXXX ( supervisor ) in their claims department who states that they have tried numerous times to resolve this issue with Gate Financial. They provided them with the claim # and wanted to take the vehicle due to the claim. XXXX states they would only provide limited information even after I gave consent while on the 3 way with all party 's. During my call to the lender ( on 3 way ) we talked about everything and how the claim was going to play out. That night Gate Financial came to my house and took the vehicle. I called them and told them the vehicle was part of a claim and that they no longer have ownership of the vehicle, so why did they send someone out to pick the car up. The claim information was given again and I was told they will be contacting the insurance company and have everything handled. This whole time I am thinking these things got taken care, because I never heard from the lender again, and if I did not open this claim I still would not have known that the vehicle was sold. Even that statement is shocking because the vehicle suffered major damage due to the accident that happened on state route XXXXXXXX and was deemed to be inoperable. To be plain, this company tried to play the scenario where it best fitted them. My rights were not protected, no documents were sent, and no correspondence on any level was sent per my FCBA rights, my EOC rights etc. I had an issue with payment, and paid them to bring my account current. I even got control of the vehicle again. They already had it in there mind as though what I was saying was a lie and came and got the vehicle w/o having rights to the vehicle ( because it was communicated as an insurance claim ). They have reduced my credit score by 90 points or so, and has slandered my name and reputation whereas I can not use my credit. Now, they have sold the car, did not follow through with the insurance claim. XXXX with XXXX XXXX still has the claim information, policy information, notes about the claim etc. on hand. The lender received a tax credit per this fraudulent profit loss. Just off of the undermining tactics they took the keep this car w/o following procedure and the amount of time it has been I ask that you make them remove this from my credit immediately. News FLASH to them... Sometimes people have issues with money due to whatever reason. You are not XXXX, and can not slime your way into discrediting someone because of it. I did not cause the accident and you would have received your money for this vehicle. You gave me no chance, and I am sure you thought I did not have insurance because how you got insurance and is having trouble paying your car note. I am up to my ears with these companies and them thinking they can do whatever even when you follow procedure.

Company response to consumer: Closed with explanation