Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: EA Holdings Corp.
State: IL

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT I am filing this complaint regarding the financing and sale of a used 2012 XXXX XXXX that I believe was sold in a condition that required substantial repairs and maintenance shortly after purchase. I believe important information regarding the vehicle 's condition and foreseeable repair needs was either not properly disclosed or not adequately explained before the sale. At the time of purchase, I had recently experienced the loss of a previous vehicle and was in urgent need of reliable transportation to maintain employment, transport my children, attend appointments, and meet my family 's daily needs. During the sales process, I was encouraged to make a substantial down payment and was informed that doing so would improve my chances of approval and help rebuild my credit. Based on these representations, I proceeded with the purchase and financing agreement. Shortly after taking possession of the vehicle, I began experiencing significant mechanical failures and maintenance issues. Within a very short period of ownership, the vehicle required repairs and diagnostics involving the battery system, electrical components, tune-up services, exhaust system, engine performance issues, air intake-related problems, and transmission-related concerns. Repair estimates and maintenance expenses quickly accumulated into thousands of dollars. The vehicle became increasingly unreliable and unsafe for daily transportation. As a result, I lost work opportunities, delivery income, transportation access, and the ability to consistently meet my family 's needs. Because I rely on transportation to generate income and provide for my children, the vehicle 's condition created significant financial hardship. I repeatedly attempted to address these issues and sought assistance regarding the vehicle 's condition. Instead of receiving a practical resolution, I was informed that I remained responsible for payments regardless of the vehicle 's mechanical condition. I was also advised that any repairs would be my responsibility, despite the vehicle developing substantial issues almost immediately after purchase. Additionally, a payment-disabling device was utilized on the vehicle, preventing its use during periods when payments could not be maintained. This further contributed to my inability to work and earn income while simultaneously facing expensive repair obligations. I found myself in a situation where I was expected to continue paying for a vehicle that was increasingly unusable and required extensive repairs that exceeded my financial ability to maintain. The combination of repair expenses, loss of transportation, inability to generate income, and the vehicle 's deteriorating condition ultimately led me to request a voluntary repossession. My decision was not based on unwillingness to pay. Rather, it was the direct result of a vehicle that became financially and mechanically unsustainable shortly after purchase. I believe the transaction resulted in substantial financial harm. I incurred repair expenses, lost income opportunities, transportation disruptions, time away from work, time spent addressing repeated mechanical failures, and the loss of funds invested in the purchase of the vehicle. Had I known the full extent of the vehicle 's condition and expected repair requirements, I would not have entered into the financing agreement.

Company response to consumer: Closed with explanation