I decided I wanted to sell my car to get a bigger one due to the birth of my daughter. When I tried to get my title, which is electronic now, I was told that there is a lien filed by Sunbelt Credit Corp from 2006. I contacted Sunbelt Credit to get more information because I was unsure of what the company even was. They asked for my name and information and all they would tell me was that I owe them $575 from a loan I took out in 2006. I kept telling them I have never taken out a loan before but all they would say is that I need to bring them $575 or they would not release the lien.
Later that day after talking to my mother about the situation we decided to go down to the Sunbelt Credit office and try to talk to someone there since the lady on the phone was no help at all. When we got there I explained the situation to the employee who looked my name up and said I owe them money. I kept explaining that I did not take out a loan with them. He insisted that it had to of been me and there is no possible way anyone else could have taken a loan out in my name. After arguing for a good 15 minutes, he finally got his manager who pulled my file. They had my drivers license number, birthdate and social security number so they kept insisting that it was me who took the loan out. My mother and I kept trying to look at the paperwork in their file, but they kept snatching it out of our hands. We did notice that not only did they have an incorrect address listed for me, which I've never lived at nor do I even know where it is located, but they also have an incorrect phone number listed for me. They finally showed me the signature on the loan paperwork that they are claiming to be mine but they have two different signatures for me, neither of which match the actual way I sign my name. But still they were adamant that it was me who took the loan out and there is no possible way it could be identity theft or fraud.
Basically the whole hour we were in their office they were calling me and my mother a liar and everytime we tried to tell them that the signatures, phone number and address they have listed are incorrect they completely ignored us or just said it is not possible. They refuse to release the lien on my car and said the only way they will release it is when I sell my car I have to take $575 of the money I get from the sale of my car and bring it to them immediately and then they will release the lien. I told them I was going to file a police report for identity theft and they laughed at me and said since the loan was from almost 6 years ago I'd be wasting my time because there is no way the police can do anything for me and I'll still be responsible to pay the balance. So now I am out almost $600 for a loan I never took out because they claim there is no possible way this is a case of fraud or identity theft. I really don't know anything I could do to remedy the situation except pay the money and just put it behind me. Even though the thought of coughing up $575 to this awful company makes me sick to my stomach. These people were unbelievably rude and unprofessional and I cannot understand how a business can continue to operate while treating people like that.