Consumer complaint received 2025-07-08 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: Veros Credit, LLC
State: FL

Complaint narrative:
am writing to formally request an investigation into the recent repossession and subsequent damage to my XXXX XXXX which I believe was wrongfully authorized and negligently executed by Veros Credit and the third-party repossession company they employed. 

On XX/XX/2025, I made a payment on my account with Veros Credit. Despite this, Veros Credit permitted the repossession of my vehicle, even though my account was not yet 80 days past duethe threshold commonly required before such action is taken. This repossession was not only premature but also mishandled. 

The tow company, hired by Veros Credit, entered private property without my consent and proceeded to tow my XXXX XXXX During this process, significant damage occurred : the vehicles front end was harmed, the wheel was dragged improperly, which resulted in smoking and further front-end damage. Such negligence has caused unnecessary hardship, financial loss, and emotional distress. 

I firmly believe that Veros Credit mishandled my account and failed to act in accordance with proper repossession laws and ethical standards. Their agents actions, particularly in hiring a negligent towing company and authorizing repossession under questionable circumstances, demand scrutiny. 

I am therefore seeking the following : An immediate investigation into Veros Credits handling of my account and the repossession process.

Assessment of the legality of the repossession, given that my account was not in sufficient arrears to warrant this action. 

Review of the conduct and qualifications of the tow company employed, specifically regarding trespassing on private property and improper handling of my vehicle. 

Compensation for the damages sustained by my XXXX XXXX XXXX direct result of the negligence described. 

I am submitting this complaint to all relevant consumer protection agencies and the Department of Agriculture, as I believe it is crucial to hold financial institutions and their agents accountable for improper practices and prevent further harm to other consumers. I am prepared to provide all documentation and evidence to support my claims.

Please confirm receipt of this complaint and advise on the next steps for pursuing my case.am writing to formally lodge a complaint regarding persistent and harassing phone calls I have received from Veros Credit in reference to an alleged debt owed to a religious organization. These calls have occurred repeatedly, despite my clear indication that the debt is disputed.

I wish to bring to your attention that, according to the Federal Trade Commission ( FTC ), it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to communicate or threaten to communicate to any person credit information which is known or which should be known to be false. This includes, but is not limited to, the failure to inform relevant parties that a disputed debt is, in fact, disputed.

The repeated calls from Veros Credit have not only been harassing in nature but have also failed to communicate accurately the disputed status of this alleged debt. I have made efforts to clarify and dispute the debt, yet the collection activities have continued without proper acknowledgment of my dispute.

I respectfully request that the following actions be taken : Immediate cessation of all harassing calls and communications regarding the disputed debt.

Assurance that no false or misleading credit information regarding this disputed debt will be communicated to any third parties.

Investigation into Veros Credits collection practices to ensure compliance with the FDCPA and FTC regulations.

I trust that you will address this matter promptly and ensure that my rights under federal law are fully respected. 
Sincerely, XXXX XXXX XXXX XXXX Thank you for your attention to this serious matter.

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