Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Attached is the letter I sent to Flagship. It is pretty much self explanatory, if you need anything else please call me at XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Flagship Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir, I receive Bulling calls from Flagship every hour of every day from XXXX until XXXX  XXXX days a week since XXXX. If you need someone to bother you should bother XXXX XXXX the salesman at XXXX XXXX on XXXX in XXXX XXXXXXXX XXXX  or the dealership itself. I have been totally XXXX collecting SSD only since XXXX and have not lied to anyone. Being I lived at a campground in a tent for months I was able to save {$1000.00} to use as a down payment for the vehicle which XXXX XXXX XXXX XXXX and the XXXX XXXX dealership was fully aware of. My XXXX XXXX XXXX was stolen in XXXX XXXX  and not recovered for the theft until XX/XX/XXXX and the police claimed it had a lot of damage. I had no full coverage on this vehicle because I could not afford it. I actually spoke to someone from Flagship while I was at the dealership and Flagship was aware of this also the day of purchase. 
I did not know of this until XXXX when my temporary plates expired but XXXX XXXX, Flagship credit, and XXXX XXXX removed the sales tax from my loan and when I went to pick up my plates I had to pay over {$1400.00} to get my plates fro my vehicle. 
I do agree that I missed Marches payment because of this reason ; however, the culprits should be the ones getting the calls and have them compensate me for the damage they caused. When this happened I spoke with the State who said I should go back to the dealership and speak with them which I spoke with both XXXX and whoever they said was in charge of the financing at the dealership. 
I need to back up one minute to the sales day right now. I remember XXXX XXXX and someone else coming to me and asking if I can come up with at lease another {$1500.00} down. I explained asked him to remember that I initially stopped while walking by last month and advised him that I will not be able to come up with the down payment until I receive my social security check on the third of next month and said this is all I have and if we have to call this off because of it I am fine with that. 
XXXX XXXX had me speak with someone from Flagship using his phone and I explained the same thing to Flagship. When I found out what they did I called and wrote the state of XXXX  and was contacted by a XXXX XXXX from the state. He recommended going back to the dealership and seeing if there was something they could do which I did. They both acted proud of themselves and were smiling and laughing. 



XXXX XXXX first told me that Everyone does it like that. I responded I had financed XXXX cars and XXXX motorcycles in my life and everyone has included all taxes in the loan amount. Then XXXX XXXX laughed and said that is the way we do it in XXXX. I responded XXXX of the motorcycles I purchased was from XXXX XXXX up XXXX XXXX. XXXX XXXX responded that this is the way we do business! 
Before I originally signed the contract I asked about this again before signing the contract, if taxes were included, and again to have someone go over the contract and was told YES! I also asked if someone would go over the contract with me and again I was put off and my XXXX did not allow me to remember this so I signed the contract. 
I did have to speak with Flagship representative on XXXX XXXX phone from the dealership who told me I HAD TO GET A SMART PHONE TO PAY BILLS! 
I spent another XXXX minutes with her on the phone explaining my XXXX will not allow me to use a smart phone I get too confused. I did explain I was given a smart phone for 3 months to try to learn and was unable to. I explained about having to be assigned an escort in the XXXX hospital because when I stepped out of my room into the hall I seen too many doors and could not figure out which one I came out of. The escort finally taught me that it will always be the one behind me. I told the representative as I told the dealership if this is a requirement we need to call this off. 
I spent extensive time in XXXX for vocational training and day-to-day life training. XXXX revealed there would be no job that I would be qualified to perform. 
I was also told I would never be able to walk again and never would be able to live on my own. I have exceeded everything I was told I would not be able to do but I have been able to do that because I did not have XXXX phone calls each day from Flagship Credit Acceptance. 
I have suggested to Flagship to look to both Bales XXXX on XXXX in XXXX XXXX and the representative from Flagship to get me back on my schedule with payments. I can not go out and work especially now since I turned over XXXX XXXX XXXX. 

Please see if there is a XXXX department within your corporation and see what you can do to make this easier on me and avoid destroying all the advancements I made over the last XXXX years. 


Sincerely ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation