Vehicle loan or lease -- Repossession -- Complaint #17938757
Complaint Overview
Complaint ID: 17938757
Company: Veros Credit, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Repossession
Sub-Issue: Voluntary repossession
State: Florida
ZIP Code: 33024
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint because Veros Credit is refusing to allow me to complete a lawful voluntary surrender of my financed vehicle. I have made multiple attempts to coordinate the voluntary surrender, both by phone and in writing, and the company has repeatedly refused to provide : - A surrender location - Written instructions for voluntary surrender - Written confirmation that it will be coded as a voluntary surrender - Contact information for their repossession department Instead, they insist that the only option is an involuntary repossession pickup, which I do not authorize. This is contrary to industry standards and violates my rights under the Uniform Commercial Code ( UCC ) and Florida law. On XX/XX/year>, I sent a formal written request by email to Veros Credit citing : - UCC 9-609 Debtors right to voluntary delivery of collateral, allowing peaceful voluntary surrender - UCC 9-610 Requirement that disposition of collateral be commercially reasonable - Florida Statutes Chapter 679 Adoption of UCC secured transactions and requirement of good faith Despite this, Veros Credit refuses to cooperate or provide any reasonable location for surrender, even though the company publicly states it handles impounded or seized vehicles, which implies access to storage locations or contracted recovery agents. This refusal prevents me from exercising my lawful right to a voluntary surrender, and it appears to be an unfair or deceptive practice designed to force an involuntary repossession, which would cause greater financial damage to the consumer. I am acting in good faith and simply need : 1. A surrender address in Florida 2. Written surrender instructions 3. Written confirmation that the account will be coded as a voluntary surrender, not involuntary repossession 4. A point of contact for repossessions/loss mitigation Please assist in requiring Veros Credit to comply with its legal obligations and provide the necessary information to complete the voluntary surrender.
Frequently Asked Questions
What is Complaint #17938757 about?
Complaint #17938757 was filed against Veros Credit, LLC regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
How did Veros Credit, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Veros Credit, LLC?
Yes, visit the Veros Credit, LLC company profile at readthecomplaint.com/company/veros-credit-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.