Print the value of index0
Illinois Department of Motor Vehicle DMV Illinois DMV bureaucratic scam!!! Springfield Illinois
The bureaucrats within the Illinois Department of motor vehicle (Secretary of the State) vehicle services Department 501 S. Second st. Sprindfield Illinois 62756. 1-800-252-8980 select option 7. These people have comitted a deceptive and illegal act by forwarding my legal documents (car title) to a former lien holder. Let me explain.
I recently paid off my car loan with Captal One Auto Finance. 6 years of payments @ 15% interest exceeding $6,000 cash in interest alone. Capital One Auto Finance forwarded me the title, and lien release letter. In Illinois after purchasing a vehicle via finance companies we must fill out an application under vehicle transactions (form VSD 190). Send this application in filled out completely with $98 fee, lien release letter, and the title. The purpose is to get a clean title by removing the former lien holder (Capital One Auto Finance). The process is called a (corrected title). July 4, 2017 I did everything required by the state of Illinois according to their terms and conditions. Its been over a month now so I decided to call and check the status of my application.
After speaking to an operator by the name of (Jackie) among 5 others I was told my title was sent to Capital One Auto Finance. I was also told that the reason my title was sent to Capital One Auto Finance was because I filled in Capital One Auto Finance in the area "first lien holder". I am so appalled. The terms and conditions also states that if this application is not filled out completely it will be sent back. Secondly, if I am not to fill out the first lien holder's name....why is the question on the application? Mind you...we are talking about approximately 15 questions. And most important of all, how would I have the title to a car that has a lien on it? Don't believe me? Call 1-800-252-8980 and select option 7. These guys were adamant and quick to blame me for their error. Stating that I should have left this area blank because it means current lien holder. I stated "It did not say current lien holder and it did not say lien holder. It said first lien holder". Finally, we are not talking about a lot of paperwork here. Its pretty simple and easy to follow for people who work at the department of motor vehicle. I sent these guys everything required. A lien release letter from Capital One stating the vehicle has been paid in full. A car title with my name Stafford Garrett as the owner and Capital One Auto Finance as the first lien holder. An application VSD 190 corrected title and a money order in the amount of $98 to have capital one auto finance name removed from the title. If the DMV would have admitted to error and attempted to rectify the situation in an admiral way I would not be upset. My stress level is high.
After writing this ....this incident is no longer isolated. The paper trail will follow somebody. Subjective people, secret entities, intricates, and private cults. Laws are established to govern us all. In spite of whatever we may believe. Willful misconduct, and grossly negligence is something that should not be ignored or tolerated. These people are trusted servants. Selected to do a job for the people in the state of Illinois. These people have access to our social security numbers, addresses, etc. And once someone betrays this trust for whatever reason...that same person should be disciplined and terminated. A paradigm that will encourage others to do their jobs with integrity. Instead...we have a consortium of people within the DMV attempting to cover up. Now it becomes a conspiracy and all who are apart of this act is just as quilty. If you or anyone you may know are subject to being mistreated and used by the system...find a platform to be heard. There are professionals on stand by reading these unbelieveable facts and stories.
3 Updates & Rebuttals
Anonymous
United States,USA
I was screwed over by my employer for which i had to file bankruptcy 3 times and capital one didn't fight my first 2 bankruptcies this is my 3rd bankruptcy filing capital one if abusing me now
#4Consumer Comment
Sun, October 08, 2017
Capital one is abusing me and harassing me because for yet a 3rd time I had to file bankruptcy. Capital one is not being honest to my lawyer from the previous bankruptcy the balance was around $13,000 when it was dismissed now its $27,000 because of the interest. Capital one agreed to settle for $5,000 but due to my financial status i could not pay $800.00 a month.
When Capital one dismissed the $5,000 settlement i never heard a word from them nor did they try to come and reposs my truck because I told them because of a work related injury my employer took me to the cleaners, because their workers compensation had to pay for my knee and they made a false complaint against my professional license. The bankruptcy court took off the interest that capital one was charging and making them settle for less interest. But now in 2017 my 3rd bankruptcy they are being complate butts.
They don't want to settle for the $5,000 and pay it under the bankruptcy plan and they have objected to my bankruptcy and told my lawyer that their is $27,000 owed on my truck. Capital one is being dishonest ro the bankruptcu court and my lawyer.
The bankruptcy court has schedule a telephone hearing for 10/17/2017. When you have been abused by creditors your whole life when you had job problems, anger begins to grow inside of you. Capital ones is nothing but a bunch of sleeze balls.
Capital one employees are allowed to verbally abuse you over the telephone. Well if the bankruptcy court puts the balance of the truck they will take off that $10,000 of interest that they added. So capital one and their laywer are just cutting off their own noses by objecting to my bankruptcy and lying and trying to harass me.
Another cover up!!!
#4Author of original report
Fri, August 04, 2017
Say as you please. I will let a judge decide. There is always someone here behind the scenes attempting to divert the circumstances. Let me give you the benefit of the doubt for a minute. Even if everything you are saying is correct and I doubt it seriously. How can you avoid a lien release letter dated correctly and coinciding with the title. Secondly, the application clearly asks specific questions on the application. For example, owner, address, etc. It also ask who should this title be mailed too. Finally, at the very bottom the application ask the purpose of this corrected title. I typed in. Vehicle has been paid for and lien release letter is attached. So you can take your crap somewhere else because I am holding my ground and I will take these documents among other things when I file this law suit. Nice try though....
Robert
Irvine,California,
USA
You made a mistake
#4Consumer Comment
Fri, August 04, 2017
You are applying for a "Clear" title there is NO lienholder anymore. That section should have been left blank. They were RIGHT.
You are blaming the document because it didn't say "current" lienholder, well it also didn't say "previous" lienholder. Yet you put in their name. You wonder why the question would be on there. Simple...someone may actually still have a lienholder that needs to be listed. You wonder how you would have the title if you have a lien on it. Simple...the bank may have sent it to you it is THEIR option, some banks don't want to deal with holding titles. But it is also noted ON the title that there is a lienholder so you still can't legally sell it without the release.
They did exactly what you told them to do as by law they must mail the title to the listed lienholder. So please take off your tin-foil hat, this isn't some massive government conspiracy. This is one individual who didn't know how to fill out a form correctly.
Hopefully you can contact Capital One to see if they will send you the title back with another release letter. Perhaps stating that it was done in error. Where if you go in and talk reasonably to the DMV they may issue another title without the fee.
Good Luck.