
Keisha of Marietta, GA on March 5, 2011
I went to JDS Auto in September 2009 and financed a vehicle through their buy here pay here program. Around July or August 2010, Vehicle Acceptance Corp. contacted me and advised me that they were going to handle my account. I contacted JDS Auto and it was confirmed that VAC would become the lien holder for the vehicle. VAC would handle all payment, insurance, and all other terms of my contract. In February 2011, I changed vehicle insurance companies and listed VAC as the lien holder. On February 28th, JDS Auto called, but did not leave a message.
I went out to my vehicle during my lunch break and tried to start the vehicle, but it wouldn't. I called VAC and asked if my account is okay and was told yes, I'm perfect (which is what they always say because I always pay on time and have never had a lapse in insurance coverage). I called JDS Auto and the owner's wife told me that she disabled the vehicle because of the notice from my previous insurance carrier about the cancellation of insurance. I told her that I changed insurance companies and listed VAC as the lien holder per my conversations and the letters I received from JDS and VAC.
I called my insurance company and had them list JDS Auto as the second lien holder and had it faxed over to JDS per the owner's wife to have my vehicle enabled. When I called back about the receipt of the insurance information, I asked how long it would take to enable my vehicle. She started with this long rant about how much other stuff she had to do.
I told her that she should have left a message and allowed me time to get them any documentation that they needed before disabling the vehicle. I told her that I would complain to the state. Her husband (the owner) got on the phone and told me to shut my mouth, told me that he was hanging up and would repossess my vehicle for not adhering to the terms of the contract. He called back 5-10 minutes later and said that they got upset when I talked over them and it would be a shame if I had my vehicle repossessed since I make my payments. He then said I wasn't abiding by the terms of the contract because I had a $1,000 insurance deductible instead of $500. He also said that I should not have VAC listed as the lien holder because on the title, it still shows JDS Auto.
I've had $1,000 deductible since the beginning per his agreement, but he was using it as justification to repossess the vehicle because I pissed them off by talking over them and threatening to complain to the state. They turned the vehicle on. I had my insurance company update the lien holder to solely show JDS Auto. I went home and reviewed my contract and under insurance, it says that I should have a $500 deductible and that they have the right to secure insurance for me if I don't have the proper insurance. It doesn't say anything about repossession. I called VAC the following Monday and was told again that they are the lien holders and handle all forms of the agreement. I also had my insurance deductible lowered to $500 because I am sure that JDS Auto will attempt to retaliate because of the complaints I make about them.
The bottom line: I have had the vehicle for over one year and a half and have not had any payment defaults. JDS Auto has an account with VAC to handle all payments, insurance, and contract terms, but interferes with that process during any arbitrary situation they see fit. JDS Auto disabled my vehicle without notice or justification. JDS Auto's owner told me to shut my mouth and threatened to repossess my vehicle because I spoke over the owner and his wife and told them that I would complain to the state about them.