Complaint Review: CIG Financial LLC

I purchased a Chevy HHR for $8000.00 and financed the vehicle through CIG financial in August of 2012. I made 19 payments @ $261.00 = $4959.00. My ex-husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in 2015, I started receiving harassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was $5,292.00. They claimed that I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded $500 up front, and monthly payments of $257.00. Although I am a single mom, with a child whose medical bills for 2015-2016 totaled $85,000, I took possession of the vehicle, paid the initial $500. I made 7 payments @ $257.00 = $1799.00. In March, 2016, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them.

The representative I had been working with, Mr. Andy Poblano, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now $167.06. Although the payment was lowered, the amount owed was not reworked as promised. I made two payments @ $167.06 = $344.12, bringing my total payments to $2,643.12 + 4959.00 = $7602.00. In May of 2016, the vehicle was totaled in an accident.  My insurance company, Infinity paid CIG financial $2,622.00 to settle for the vehicle. This makes the total paid out for the vehicle $10,224.00 I have since received letters from CIG Financial threatening me with legal action and claiming that I owe a balance of $2800.00.

They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession (it was never physically repossessed). They said that even if I paid it off, it would remain so. They have further made three unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed; none were ever late. This situation has caused me is overwhelming anxiety; I can't afford the $2800.00 and I have no idea what I need to do to put a stop to this.