After paying off auto loan valley woman says her vehicle was still repossesed

Posted: Updated:

Gina Brooks admits some of her car payments were a little late but she always caught up and eventually paid of her car in full. At least, she thought she paid it off in full.

"It gives me freedom, it's mine, it's my truck."

Gina brooks loves her 2002 Nissan Xterra

"I'm a single woman and it gives me the sense that I can go wherever I want, whenever I want."

But Gina does admit that keeping up with the payments the past seven years has been a struggle.

"I was afraid I was gonna loose it at times, but did everything I could to make it."

And Gina was ecstatic to finally be paying it off.

"I struggled to make the last few payments and I was happy. That's what I looked forward to after 7 years, I was done."

So when Gina sent in her final payment she thought all her struggles were over

"I was waiting for the title to come in the mail; I was really excited, looking forward to it after all those years. It was an expensive piece of paper!"

But instead of the title arriving at Gina's house a repo company showed up instead.

"I go to work the next day and my truck's gone! There's nothing like that feeling"

Gina called Americredit. The loan company she had been paying the past seven years. And Americredit told her this.

"They were telling me I still owed them money after making all my payments but they wouldn't tell me why."

Turns out, Americredit was demanding nearly $5,000 more before they would release her car. Gina says she reluctantly paid the five grand and got her truck back but she never knew why she had to come up with thousands of dollars more in the first place.

You struggle to get thru and people still kick you when you're down

3 On Your Side contacted Americredit which told us they couldn't discuss the matter with us due to privacy issues... But they did agree to contact Gina. They told her the 5 grand was for penalties and late fees on the months she fell behind on her payment. Gina says five grand in late fees is ridiculous and extreme. But she's certainly glad to have her Nissan back.

"I'm gonna take my truck and travel somewhere!"

Gina financed her car for 7 years. Consumer advocates warn folks to avoid financing a vehicle that long because if you have to finance 7 years to afford the monthly payment, then the car is probably out of your price range anyway.