Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
On XX/XX/2024 my account with XXXX XXXX XXXX was sold to another company by the name XXXX XXXX. I was never notified through mail our email. I found this out the day I called to make my on time payments. I was told at that time my account was sold to a XXXX party company by the name of XXXX XXXX, and to contact them to make my payments. I was told that my credit score went up and my on time payments made them consider selling my account so I can get lower payments. I told the man I never was notified by phone our mail about this switch and I didn't get a chance to agree our disagree with the transaction. I was told that my account is closed and to contact XXXX XXXX. When I contacted XXXX XXXX I was told I'm not fully in there system and to wait for them to call me back some how they new my ninformation but they had a different name on the account so they told me to wait for another call back. I got a call back with all the correct account info but a different name. I told them that's the right car but the wrong name on the account. I never got a call back. I called XXXX XXXX and they told me to stop calling them because the account is closed. XXXX months later XXXX credit called me antagonizing me and making false claims saying I haven't made a car payment. they gave my private info to a repo company by the name XXXXXXXX XXXX XXXX. The Repo guy came on my private gated community and took my car off my property with know permission to enter. I was never notified by the repo company threw phone our mail about the repo. I called XXXX XXXX about the situation and they talk to me like a kid saying. They made it seem like I tryed to keep the car without making payments. I told them I made all my payments on time and I told them they made a mistake when they sold my account. I was told to make XXXX car payments and pay the repo fee which came up to {$1600.00}. They made me feel like a kid by saying I tryed to get a free car and I better pay. My car was taken on XXXX XXXX I almost lost my job for a late call off. At the end of the day I have a right to privacy XXXX XXXX, XXXX XXXX and my information was given to a XXXX XXXX and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. I'm a victim of Identity theft 15 USC 6802, 15 USC 6804. XXXX XXXX gave my information to XXXX XXXX XXXX and XXXX XXXX with out notifying me at all. I truly believe my consumer laws have been violated. I never received a Dis closer form. This unfortunate situation has caused me to feel unsafe at my home. I feel depressed and humiliated. XXXX XXXX XXXX never notified me threw mail our phone that my car would be repo. Its illegal to come on private property with a gate code. It was a illegal repo. I never received any letters from XXXX XXXX XXXX stating they will repo my property. I recently requested a copy of my car lease from XXXX XXXX XXXX and they yet to send my request threw mail our email. On my Credit report it states my XXXX credit account is closed due to my information being sold to a XXXX party without my permission our notifying me at all.15 U.S.C . 6802 outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. Specifically, it dictates that financial institutions must provide consumers with a notice that complies with the law before disclosing this information to a nonaffiliated third party. It also limits the sharing of account numbers for marketing purposes, generally prohibiting it unless to consumer reporting agencies. 
Here 's a more detailed breakdown : Key aspects of 15 U.S.C. 6802 : Notice Requirements : Financial institutions can not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with a notice that complies with the law.5 U.S. Code 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. It sets guidelines for how debt collectors can communicate with consumers, what information they can provide, and how they can go about collecting debt.Examples of situations that could be considered illegal tows : A vehicle is towed from private property without the owner 's consent and without proper notification signs. 
A towing company charges an excessively high fee for towing and storage. 
A tow truck driver fails to stop and offer the owner the opportunity to pay for the tow before it is removed. 
A tow company fails to post fees and other information as required by law. 
In essence, an illegal tow occurs when a vehicle is towed without proper authorization, in violation of towing regulations, or when excessive or improper fees are charged. 
To understand the specific laws and regulations in California, you should consult the California XXXX XXXX, particularly sections 22651 and 22658.XXXX XX/XX/2024 my account with XXXX XXXX XXXXXXXX was sold to another company by the name XXXX XXXX XXXX I was never notified through mail our email. I found this out the day I called to make my on time payments. I was told at that time my account was sold to a XXXX party company by the name of XXXX XXXX, and to contact them to make my payments. I was told that my credit score went up and my on time payments made them consider selling my account so I can get lower payments. I told the man I never was notified by phone our mail about this switch and I didn't get a chance to agree our disagree with the transaction. I was told that my account is closed and to contact XXXX XXXX. When I contacted XXXX XXXX I was told I'm not fully in there system and to wait for them to call me back some how they new my name and phone number. A week later I received a call about my car with the correct car information but they had a different name on the account so they told me to wait for another call back. I got a call back with all the correct account info but a different name. I told them that's the right car but the wrong name on the account. I never got a call back. I called XXXX XXXX and they told me to stop calling them because the account is closed. XXXX months later XXXX credit called me antagonizing me and making false claims saying I haven't made a car payment. they gave my private info to a repo company by the name XXXXXXXX XXXX XXXX. The Repo guy came on my private gated community and took my car off my property with know permission to enter. I was never notified by the repo company threw phone our mail about the repo. I called XXXX XXXX about the situation and they talk to me like a kid saying. They made it seem like I tryed to keep the car without making payments. I told them I made all my payments on time and I told them they made a mistake when they sold my account. I was told to make XXXX car payments and pay the repo fee which came up to {$1600.00}. They made me feel like a kid by saying I tryed to get a free car and I better pay. My car was taken on XXXX XXXX I almost lost my job for a late call off. At the end of the day I have a right to privacy 15USC 1692F, 1692A3 1692A and my information was given to a XXXX XXXX and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX. I'm a victim of Identity theft XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX gave my information to XXXX XXXX XXXX and XXXX XXXX with out notifying me at all. I truly believe my consumer laws have been violated. I never received a Dis closer form. This unfortunate situation has caused me to feel unsafe at my home. I feel depressed and humiliated. XXXX XXXX XXXX never notified me threw mail our phone that my car would be repo. Its illegal to come on private property with a gate code. It was a illegal repo. I never received any letters from XXXX XXXX XXXX stating they will repo my property. I recently requested a copy of my car lease from XXXX XXXX XXXX and they yet to send my request threw mail our email. On my Credit report it states my XXXX credit account is closed due to my information being sold to a XXXX party without my permission our notifying me at all.15 U.S.C . 6802 outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. Specifically, it dictates that financial institutions must provide consumers with a notice that complies with the law before disclosing this information to a nonaffiliated third party. It also limits the sharing of account numbers for marketing purposes, generally prohibiting it unless to consumer reporting agencies. 
Here 's a more detailed breakdown : Key aspects of 15 U.S.C. 6802 : Notice Requirements : Financial institutions can not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with a notice that complies with the law.5 U.S. Code 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. It sets guidelines for how debt collectors can communicate with consumers, what information they can provide, and how they can go about collecting debt.Examples of situations that could be considered illegal tows : A vehicle is towed from private property without the owner 's consent and without proper notification signs. 
A towing company charges an excessively high fee for towing and storage. 
A tow truck driver fails to stop and offer the owner the opportunity to pay for the tow before it is removed. 
A tow company fails to post fees and other information as required by law. 
In essence, an illegal tow occurs when a vehicle is towed without proper authorization, in violation of towing regulations, or when excessive or improper fees are charged. 
To understand the specific laws and regulations in California, you should consult the California XXXX XXXX, particularly sections XXXX and XXXX XX/XX/2024 my account with King Credit XXXX XXXX XXXX to another company by the name XXXX XXXX XXXX I was never notified through mail our email. I found this out the day I called to make my on time payments. I was told at that time my account was sold to a XXXX party company by the name of XXXX XXXX, and to contact them to make my payments. I was told that my credit score went up and my on time payments made them consider selling my account so I can get lower payments. I told the man I never was notified by phone our mail about this switch and I didn't get a chance to agree our disagree with the transaction. I was told that my account is closed and to contact XXXX XXXX. When I contacted XXXX XXXX I was told I'm not fully in there system and to wait for them to call me back some how they new my name and phone number. A week later I received a call about my car with the correct car information but they had a different name on the account so they told me to wait for another call back. I got a call back with all the correct account info but a different name. I told them that's the right car but the wrong name on the account. I never got a call back. I called XXXX XXXX and they told me to stop calling them because the account is closed. 8 months later XXXX credit called me antagonizing me and making false claims saying I haven't made a car payment. they gave my private info to a repo company by the name XXXX XXXX XXXX  The XXXX guy came on my private gated community and took my car off my property with know permission to enter. I was never notified by the repo company threw phone our mail about the repo. I called XXXX XXXX about the situation and they talk to me like a kid saying. They made it seem like I tryed to keep the car without making payments. I told them I made all my payments on time and I told them they made a mistake when they sold my account. I was told to make XXXX car payments and pay the repo fee which came up to {$1600.00}. They made me feel like a kid by saying I tryed to get a free car and I better pay. My car was taken on XXXX XXXX I almost lost my job for a late call off. At the end of the day I have a right to privacy XXXX XXXX, XXXX XXXX and my information was given to a XXXX XXXX and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX. I'm a victim of Identity theft XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX gave my information to XXXX XXXX XXXX and XXXX XXXX with out notifying me at all. I truly believe my consumer laws have been violated. I never received a Dis closer form. This unfortunate situation has caused me to feel unsafe at my home. I feel depressed and humiliated. XXXX XXXX XXXX never notified me threw mail our phone that my car would be repo. Its illegal to come on private property with a gate code. It was a illegal repo. I never received any letters from XXXX XXXX XXXX stating they will repo my property. I recently requested a copy of my car lease from XXXX XXXX XXXX and they yet to send my request threw mail our email. On my Credit report it states my XXXX credit account is closed due to my information being sold to a XXXX party without my permission our notifying me at XXXX XXXX XXXX XXXX outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. Specifically, it dictates that financial institutions must provide consumers with a notice that complies with the law before disclosing this information to a nonaffiliated third party. It also limits the sharing of account numbers for marketing purposes, generally prohibiting it unless to consumer reporting agencies. 
Here 's a more detailed breakdown : Key aspects of 15 U.S.C. 6802 : Notice Requirements : Financial institutions can not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with a notice that complies with the law.5 U.S. Code 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. It sets guidelines for how debt collectors can communicate with consumers, what information they can provide, and how they can go about collecting debt.Examples of situations that could be considered illegal tows : A vehicle is towed from private property without the owner 's consent and without proper notification signs. 
A towing company charges an excessively high fee for towing and storage. 
A tow truck driver fails to stop and offer the owner the opportunity to pay for the tow before it is removed. On XX/XX/2024 my account with XXXX XXXX XXXX was sold to another company by the name XXXX XXXX. I was never notified through mail our email. I found this out the day I called to make my on time payments. I was told at that time my account was sold to a XXXX party company by the name of XXXX XXXX, and to contact them to make my payments. I was told that my XXXX XXXX went up and my on time payments made them consider selling my account so I can get lower payments. I told the man I never was notified by phone our mail about this switch and I didn't get a chance to agree our disagree with the transaction. I was told that my account is closed and to contact XXXX XXXX. When I contacted XXXX XXXX I was told I'm not fully in there system and to wait for them to call me back some how they new my name and phone number. A week later I received a call about my car with the correct car information but they had a different name on the account so they told me to wait for another call back. I got a call back with all the correct account info but a different name. I told them that's the right car but the wrong name on the account. I never got a call back. I called XXXX XXXX and they told me to stop calling them because the account is closed. 8 months later XXXX credit called me antagonizing me and making false claims saying I haven't made a car payment. they gave my private info to a repo company by the name XXXXXXXX XXXX XXXX. The Repo guy came on my private gated community and took my car off my property with know permission to enter. I was never notified by the repo company threw phone our mail about the repo. I called XXXX XXXX about the situation and they talk to me like a kid saying. They made it seem like I tryed to keep the car without making payments. I told them I made all my payments on time and I told them they made a mistake when they sold my account. I was told to make XXXX car payments and pay the repo fee which came up to {$1600.00}. They made me feel like a kid by saying I tryed to get a free car and I better pay. My car was taken on XXXX XXXX I almost lost my job for a late call off. At the end of the day I have a right to privacy XXXX XXXX, XXXX XXXX and my information was given to a XXXX XXXX and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX I'm a victim of Identity theft XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX gave my information to XXXX XXXX XXXX and XXXX XXXX with out notifying me at all. I truly believe my consumer laws have been violated. I never received a Dis closer form. This unfortunate situation has caused me to feel unsafe at my home. I feel depressed and humiliated. XXXX XXXX XXXX never notified me threw mail our phone that my car would be repo. Its illegal to come on private property with a gate code. It was a illegal repo. I never received any letters from XXXX XXXX XXXX stating they will repo my property. I recently requested a copy of my car lease from XXXX XXXX XXXX and they yet to send my request threw mail our email. On my Credit report it states my XXXX credit account is closed due to my information being sold to a XXXX party without my permission our notifying me at all.15 U.S.C . 6802 outlines the obligations of financial institutions regarding the disclosure of nonpublic personal information. Specifically, it dictates that financial institutions must provide consumers with a notice that complies with the law before disclosing this information to a nonaffiliated third party. It also limits the sharing of account numbers for marketing purposes, generally prohibiting it unless to consumer reporting agencies. 
Here 's a more detailed breakdown : Key aspects of 15 U.S.C. 6802 : Notice Requirements : Financial institutions can not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with a notice that complies with the law.5 U.S. Code 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. It sets guidelines for how debt collectors can communicate with consumers, what information they can provide, and how they can go about collecting debt.Examples of situations that could be considered illegal tows : A vehicle is towed from private property without the owner 's consent and without proper notification signs. 
A towing company charges an excessively high fee for towing and storage. 
A tow truck driver fails to stop and offer the owner the opportunity to pay for the tow before it is removed. 
A tow company fails to post fees and other information as required by law. 
In essence, an illegal tow occurs when a vehicle is towed without proper authorization, in violation of towing regulations, or when excessive or improper fees are charged. 
To understand the specific laws and regulations in California, you should consult the California XXXX XXXX, particularly sections XXXX and XXXX. A tow company fails to post fees and other information as required by law. 
In essence, an illegal tow occurs when a vehicle is towed without proper authorization, in violation of towing regulations, or when excessive or improper fees are charged. 
To understand the specific laws and regulations in California, you should consult the California XXXX XXXX, particularly sections XXXX and XXXX.

Company response to consumer: Closed with explanation