Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Finance LLC
State: DE

Complaint narrative:
I was accepted for another loan from American Finance LLC.. this would be my second loan through them since the first one was completely paid in full. At first I was alarmed that I needed to have full coverage car insurance with a XXXX XXXX dollar deductible. Even though I could have saved more with a higher deductible I was turned down to do so. They only wanted XXXX XXXX. So thats what I did to be able to leave with the vehicle. They dont know but I am a XXXX XXXX recipient. So in order for me to afford everything that I already have including car payments of XXXX every two weeks automatically taken from my account I lowered my coverage from full coverage to state minimum coverage. About a week or so later I received a phone call from American finance stating that I had to pay an extra XXXX XXXX dollars for a collision fee for not having full coverage insurance. I even had the defensive driving for extra discounts and it was still high. So one week the XXXX XXXX was automatically taken out and I had to call in the XXXX XXXX payment by phone. If I didnt make the XXXX XXXX  payment they would take from my payment for the car and add towards the collision payment. So unfortunately I missed a payment in XXXX and the was charging me crazy money. My account would decline them if they try and withdraw more money than what the payment was for. So my bill went from XXXX to XXXX dollars for collision repo fee and holding fee..!!! So in XXXX I borrowed money to pay them almost XXXX dollars and from then on I was told I would be up to date and they would continue to take out payments. They were taking payments automatically up until XXXX payment when they stopped taking payments. I did not receive no notice about late payments or payments being due. No emails no phone calls no letters stating I was back up for repossession. I called and talked to them after the second payment didnt come out and I couldnt make a payment online I had to pay them another XXXX dollars for them saying I was XXXX something days past due. I asked them how is that when I just paid yall all this money to lift all of that. They responded saying the same day that I made the remaining balance payment another payment was due that day.. I said they never told me that because I would have just made a partial payment that day. So they stated I was the one who authorized a double payment to be made until I was caught up with payments. I said when did I do that to be caught up when I just paid yall almost XXXX dollars. The woman got smart with me and I told them I would be finding a lawyer to help me with this because it was crazy. On XX/XX/XXXX my vehicle was repossessed once again without any type of notice whatsoever. I believe they did that because I said I was going to talk to a lawyer. And was told when I talked to them that in order for me to get my vehicle back I had to pay XXXX a week later I called to see where it was and I was told it was picked up on the XXXX of XXXX from final notice towing located out XXXX De and transported to XXXX XXXXXXXX XXXX in XXXX Delaware almost a hour from where I live with no other vehicle. So I was never able to get my personal belongings out of my car. So I called again to see where did they take it why would yall move it farther from me and yall towed my car? I asked how much did I have to pay to get it and was told at that time XXXX. Why did it go up? I was told I was still being billed for the lease loan of the car and was also coming back up for another payment and that payment would have been XXXX next payment XXXX how am I still getting billed and you repossessed my vehicle I have nothing that I am driving that is being financed. So now I am hurt affected and afraid because XXXX XXXX my XXXX XXXX XXXX XXXX burgundy in color will literally be getting auctioned off tomorrow and now I am to late but I feel something can be done. I really need help. This is my credit. That was my life get back and fourth to work to be able to pay things take my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its all gone now because they illegally repossessed my vehicle.

Company response to consumer: Closed with explanation