Woman paying loan on car she doesn't even have

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PHOENIX -- A Phoenix woman says she is stuck making monthly payments for a car she doesn't even have anymore.


The total car loan is $15,000. That's how much Kassie Leusch decided to borrow in order to buy a family vehicle, but as it turns out the vehicle never should have been sold to her.

"I can't do nothing, nothing, there's nothing I can do," Leusch said.

Leusch feels completely helpless and desperate.

"I can't provide for my children to give them the life they deserve, it's not their fault mommy's suffering, that mommy can't get them a car," she said.

Leusch says her suffering started when she purchased a 2002 Toyota Sequia from a place called Classy Auto in Phoenix.

"I was so excited," she said. "Great car. Nice family vehicle."

Leusch financed her car loan through Arizona Federal Credit Union and she says making her $330 a month car payment was always a priority, but then, "I get up, my dad goes to go get gas and my car's gone! And my first reaction is, are you kidding me?"

Leusch tried to figure out what happened and discovered that her car was repossessed by a financial institution called Americredit.

But who is Americredit?

"I find out it's the previous owner's financial institution that repo'ed my car," Leusch said. "The dealership never had the title, never owned the car, shouldn't have sold it to me and now the dealership's out of business!"

In other words, Classy Auto sold Leusch a vehicle that technically wasn't even theirs. Now, Leusch doesn't have a car and to make matters worse, she's still responsible for the $15,000 car loan she got from her credit union to buy that vehicle.

She tried to explain her situation to Arizona Federal Credit Union, but she says they told her, "Keep paying your loan, you need to pay this off, you have a responsibility to this."

Leusch says that's funny because she believes Arizona Federal Credit Union had a responsibility to make sure Classy Auto had a title before they handed over a $15,000 check to the car company.

"If it was my fault then fine, yes, I eat the bill because it was my responsibility, but this isn't my fault," Leusch said. "I didn't do this."

And Leusch says having a vehicle is critical for her. She has two kids, one with spina bifida who requires weekly doctor appointments.

"I don't know what to do anymore," she said. "I sit here and think, oh my God, what am I going to do if Ashley gets sick? If Trent ends up at the hospital?"

3 On Yours Side went to Classy Auto, but it was permanently shut down.

After doing some digging, we found out the owner of Classy Auto was a guy by the name of Olugbenga Oduntan.

Now, we tried several times to get a hold of the owner of Classy Auto, but we've been unsuccessful. However, we did manage to find out that he owns and lives in a house in the West Valley. We knocked several times, but no one ever came to the front door.

We also contacted Arizona Federal Credit Union, which says Leusch is still responsible for the loan. It sent 3 On Your Side a statement saying, "As a matter of policy, Arizona Federal does not comment about the private financial matters of our members. We do, however, acknowledge that Ms. Leusch may have a legal claim against the seller of this vehicle..."

They go on to say, "... We are always driven to serve our members' financial needs and will do everything we can to reasonably accommodate those needs."

Leusch says that is a weak excuse and believes she is paying for someone's mistake. All she knows is she's left stuck without a car but still with the loan.

"I just need a vehicle. That's all I need so I can go to work, so I can provide for my children to give them the life they deserve," she said. "I'm just an innocent bystander. I just need a vehicle."

We have numerous agencies looking into the matter and we'll definitely let you know if there are any updates.

As for Leusch, she has reached out to an attorney and is still trying to figure out how she's going to get a car.