Purchased a vehicle in 2012 from a dealer in XXXX, PA who financed it through Autotrakk and at the time of purchased my Sister and I were told I would only have to keep it 18 months and could then trade it and this was XXXX of the main reasons I purchased the vehicle because I wanted to get my credit back to perfect and I did. I kept the vehicle more than 18 months with perfect credit and went to trade it and the dealer said I could n't trade it that I owed more that the vehicle was worth that 's when I learned that XXXX charged me {$4000.00} more than the vehicle was worth. I went ahead and bought the new vehicle and kept paying for the Autotrakk loan and put that vehicle up for sale. During the duration of the loan Autotrakk kept telling me this was a lease because I kept asking why I could n't get a better interest rate because my payment history was perfect and they kept telling me that it was a lease which was contradicting what the dealer told me. These people in customer service are all incompetent. They required you to do the service calls on the vehicle and they would tell you when they were due which was no problem cause that was paid for by them and I did everyone but when I would call to make my payments after a service call they would say you need to make your service call and I would tell them it was already done but the last service call I did the dealer did n't notify them I guess and when I tried to make my payment they refused to take my payment and I went off, those XXXX just ruined my perfect repayment history by not letting me make my payment. It is there responsibility to call the dealer and confirm the service call was made. The service call was done XXXX XXXX and that info is available right at the dealer. I told them to come get the vehicle or I would take it back to the dealer and they did the next day so this was a I voluntarily gave the vehicle back but still the loan was perfect credit but they turned it into the credit bureau as a repossession and now even thought all my debt is perfect credit and I have several credit cards I can not better better car insurance or even better credit cards with low interest rates because it lowered my credit score form XXXX to XXXX so I am suing them because they would not except my payment and how can you reposess a car with perfect credit. I will fight this and go to court to get this off my credit report. Stay far away from this company and do a XXXX search for Autotrakk and see all the complaints this company has they should shut this company down these people do not know how to do good business and I will put it on all social media platforms to warn people to stay away from this company. 
