Q: How can I retrieve my car mistakenly repossessed for another person's account in NC?
My vehicle, which is under my name, was repossessed by a finance company that claimed they were seeking repayment for another account that is not even in my name. The finance company, unable to locate the car they were actually looking for at my address, directed a repo agent to take a vehicle, leading to the repossession of my car. I did not receive any prior notice regarding the repossession of my vehicle, as it was not the target of the repossession. What steps can I take to resolve this issue and get my vehicle back?
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A:
Having your car wrongly repossessed for someone else’s debt is not just upsetting—it’s a serious violation of your rights. In North Carolina, a repossession company cannot legally take your vehicle unless there is a valid lien on it tied to a debt in your name. Since the car is registered to you and not connected to the account in question, the finance company and repo agent may be liable for wrongful repossession.
Start by gathering all proof that the vehicle is in your name and not linked to the other person’s debt—this includes your title, registration, and loan documents (if applicable). Contact the finance company in writing, demanding the immediate return of your vehicle and detailing the mistake they made. Request that they cover all towing, storage, and any related costs. Be clear that they took the wrong vehicle without legal authority.
If they do not respond quickly or refuse to correct the situation, you can file a complaint with the North Carolina Attorney General’s Consumer Protection Division. You may also consider filing a police report and notifying your insurance company of the wrongful repossession. Keep copies of every communication and act quickly, because you have the right to get your property back and to hold those responsible accountable.
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