Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Peak Acceptance, LLC.
State: TX

Complaint narrative:
I mailed out 2 letters one back in XXXX of this year, and another one on XX/XX/year> which will be added to this below. PEAK ACCEPTANCE/SERVI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Subject : Formal Request for Information - Vehicle Repossession and Disposition XXXX Dear PEAK ACCEPTANCE/SERVI, I am requesting a full explanation and supporting documentation for the repossession and sale of the vehicle securing account XXXX. My SSN is XXXX and my date of birth is XXXX Specifically, please provide the following documents and information : 1. The original Retail Installment Sales Contract or Lease Agreement associated with the sale and financing/leasing of this vehicle ( include any arbitration provisions ). 2. A full accounting of the unpaid obligations secured by collateral for the transaction involving the account listed above, including the monthly balance, required minimum payment, actual amount paid, and date of each payment. 3. The Notice of Sale / Notice of Default, including date, location, method of sale, redemption rights, and proof of mailing. 4. Explanation of calculation of any surplus or deficiency balance with an itemized description of costs and fees ( include proof of mailing ). 5. Any notices regarding my right to redeem personal property contained in the vehicle ( include proof of mailing ). 6. A statement confirming whether the only collateral securing this transaction is the single vehicle on the contract ( approve or correct if wrong ). 7. A current Statement of Account as of XX/XX/year> showing the alleged unpaid obligations for the account number ( approve or provide the correct amount ). XXXX. Details regarding whether the sale was public or private. If private, state whether it was wholesale ( dealers/vendors only ) or open to non-professional buyers. Unable to provide Tracking XXXX PEAK ACCEPTANCE/SERVI XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Subject : Request for Documentation and Information Regarding Vehicle Repossession and Sale XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am writing regarding an auto loan with your firm. My Social Security Number is SS XXXX XXXX XXXX. My date of birth is Date of Birth : XXXX. This is my Second requested and this letter is now being sent via certified mail to prove delivery of our request. My first request was sent XX/XX/year> Please provide the following information : 1. The original Retail Installment Sales Contract or Lease Agreement associated with the sale and financing/leasing of this vehicle ( include any arbitration provisions ). 2. A full accounting of the unpaid obligations secured by collateral for the transaction involving the account listed above, including the monthly balance, Address : XXXX XXXX XXXX PEAK ACCEPTANCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX minimum payment, actual amount paid, and date of each payment. 3. The Notice of Sale / Notice of Default, including date, location, method of sale, redemption rights, and proof of mailing. 4. Explanation of calculation of any surplus or deficiency balance with an itemized description of costs and fees ( include proof of mailing ). 5. Any notices regarding my right to redeem personal property contained in the vehicle ( include proof of mailing ). 6. A statement confirming whether the only collateral securing this transaction is the single vehicle on the contract ( approve or correct if wrong ). 7. A current Statement of Account as of XX/XX/year> showing the alleged unpaid obligations for the account number ( approve or provide the correct amount ). 8. Details regarding whether the sale was public or private. If private, state whether it was wholesale ( dealers/vendors only ) or open to non-professional buyers. Provide these documents within 30 days of receipt of this letter. Failure to provide this information may result in further action to protect my rights. Tracking # : XXXX

Company response to consumer: Untimely response