Borrowers who have had these devices fitted to their vehicles report lenders shutting off the vehicles while the cars are being driven, even on the highway. Cars can be disabled after a payment is even one day late. One borrower told the New York times his car was disabled before he was late. A credit union collector bragged to the New York Times about shutting a vehicle down while he was shopping at Walmart. Presumably lenders can use a phone app to shut the vehicle down. Software to analyze the GPS data from the devices is available to lenders. The software can establish a "geo-fence" alerting lenders when borrowers deviate from their regular routines or stop going to work regularly. The devices are unregulated so far, but that may change.
The original article can be read here.