Once its hooked its back in the banks hands. Its vandelism.
How the heck do you turn this into the repo guys fault?
Not quite. It's in the "Bank Agent's" hands. And he is responsible for the property and anything that happens while he is acting as that "agent".
She is the registered owner, how could she "vandalize" her own property?
Repos are tricky and the guys that do it need to be cunning. That can require some smarts, and unfortunately far too many repo guys are idiots. A few states send out a Marshall to do it.