A Phoenix-based chain of used-vehicle dealerships has been fined $8 million and ordered to clean up its credit and collection practices, which regulators say included harassing phone calls and providing inaccurate information on borrower finances to reporting agencies. Phoenix auto-dealer chain censured for credit practices PHOENIX -- A Phoenix-based chain of used-vehicle dealerships has been fined $8 million and ordered to clean up its credit and collection practices, which regulators say included harassing phone calls and providing inaccurate information on borrower finances to reporting agencies.