{"took":217,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7073025","_score":19.857603,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Urgent Matter : Fraudulent Transaction and Lack of Resolution Dear Sir or Madam, I am writing to bring to your attention a serious issue that I recently encountered with Cash App, the digital payment service. I believe their handling of this matter directly contravenes federal laws concerning fraudulent transactions. \n\nOn XXXX of 2023, I discovered that an unauthorized individual had transferred {$500.00} into my Cash App account. This person then proceeded to send these funds to another account under the name XXXX XXXX, all without my knowledge or consent. I had never granted this individual access to my account, and this incident has put my financial security at considerable risk. \n\nImmediately upon noticing the incident, I reported the fraudulent transaction to my bank, XXXX XXXX, who began a dispute process. Simultaneously, I contacted Cash App requesting them to reverse the funds to prevent my account from going into a negative balance. Despite my prompt communication, I received no assistance from Cash App. \n\nToday, my Cash App account is in the negative, and Cash App 's customer service has declined to investigate or provide any form of remedy. This disregard for my legitimate concern is not only extremely disappointing but also, as I understand it, a direct violation of federal regulations. \n\nAs per Federal Trade Commission regulations ( FTC ), consumers are not held liable for unauthorized transactions that occur due to the loss or theft of their access devices, provided these are reported promptly ( Regulation E, Electronic Fund Transfer Act ). I promptly reported the unauthorized activity to both my bank and Cash App, fulfilling my obligations under the law. \n\nCash App 's failure to assist me or investigate my claim effectively denies me the protection provided under federal law. It is important that their non-compliant behavior is addressed promptly to ensure that other consumers do not experience similar problems in the future. \n\nI request your immediate assistance in this matter, and I would greatly appreciate any help or guidance you could provide in getting Cash App to comply with their legal obligations and resolve this troubling situation. \n\nThank you for your time and consideration. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX","date_sent_to_company":"2023-06-05T23:05:01.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"7073025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-06-05T22:51:50.000Z","state":"TN","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I request your immediate assistance in this matter, and I would greatly appreciate any help or <em>guidance</em> you <em>could</em> <em>provide</em> in <em>getting</em> <em>Cash</em> App to <em>comply</em> with their <em>legal</em> obligations and resolve this troubling situation. \n\nThank you for your time and consideration. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX"]},"sort":[19.857603,"7073025"]},{"_index":"complaint-public-v1","_id":"15477922","_score":8.211292,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a copy of the letter sent XX/XX/XXXX to capital one in regards to the extensive and continued communication in denial of access to my funds that hold no restrictions in a checking account maintained by them. Furthermore, been transferred to the long-standing savings account and they denied all transactions from that account furthermore. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Email : [ XXXX ] ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail, Fax, and Email XXXX XXXX  Capital One Bank, XXXX. \nAttn : Legal Department / XXXX Offices XXXX Capital XXXX XXXX XXXX, VA XXXX Fax : XXXX | Fax : XXXX | Fax : XXXX Email : [ XXXX ] ( XXXX : XXXX ) XXXX XXXX XXXXe : Final Demand for Immediate Release of Funds Capital One 360 Checking Account Ending in XXXX * * To Whom It XXXX Concern : This letter serves as a * * final demand * * regarding Capital Ones unlawful denial of my access to funds deposited into my * * Capital One 360 Checking Account ending in XXXX * *. \n\n# # # Factual Background : * * * XX/XX/XXXX * * XXXX issued me a check for the sale of my XXXX XXXX ES XXXX, which I deposited into my Fidelity Investments account. \n* * * XX/XX/XXXX * * XXXX XXXX confirmed and released payment of that check. \n* * * XX/XX/XXXX * * XXXX wrongfully reversed the payment back to XXXX XXXX, claiming the check was invalid. XXXX confirmed this was false, placed a stop on the check, and agreed to pay me via ACH or wire. \n* * * XX/XX/XXXX * * XXXX wired * * \\ {$20000.00} * * to my newly opened Capital One 360 Checking Account ending in XXXX. I also hold a long-standing Capital One 360 XXXX Account. \n* * * August 1823, 2025 * * Despite Capital One policy that * * wired funds are available within XXXX ( XXXX ) business day * *, I have been denied all access to my funds. Wire transfers, XXXX transfers, certified checks, debit card transactions, and even small purchases ( e.g., \\ {$6.00} XXXX fare ) have all been declined. \n* * * XX/XX/XXXX * * After at least XXXX phone calls with Capital One ( all recorded ), my debit card daily spending limit was raised first to \\ {$5000.00}, then to \\ {$12000.00}, and finally to \\ {$25000.00}, specifically so I could complete a * * vehicle purchase * *. I explained the urgency of this transaction, and Capital One expressly acknowledged it. \n* That same day, I successfully purchased * * \\ {$5000.00} in money orders * *, which I immediately * * handwrote to the seller * * of the vehicle. However, further transactions were declined, despite XXXX Ones assurances that my card limit was raised for this purpose. \n* * * XX/XX/XXXX * * I spoke with XXXX XXXX, who reviewed my account and confirmed : * My debit card limit remained at \\ {$25000.00}. \n* No security holds or restrictions were in place. \n* All identity verifications had been satisfied. \nDespite this, every attempted transaction on XX/XX/XXXX was declined. As a result, I now hold \\ {$5000.00} in money orders already made out to the seller, but I can not complete the \\ {$12000.00} total purchase. \n\n# # # XXXX XXXX : XXXX Ones refusal to release my funds has caused, and continues to cause, * * severe and irreparable harm * *, including but not limited to : XXXX. Inability to pay * * XXXX rent * *, with eviction scheduled for * * XX/XX/XXXX * *. \nXXXX. Inability to pay * * court-ordered attorneys fees * *, risking * * incarceration * *. \nXXXX. Loss of ability to purchase a replacement vehicle, leaving me without transportation since * * XX/XX/XXXX * *. \nXXXX. Direct damages in connection with the vehicle purchase, as I have already provided the seller with \\ {$5000.00} in money orders but can not provide the balance due. \nXXXX. Loss of a pending job opportunity due to lack of transportation. \nXXXX. Inability to meet basic survival needs, forcing me to rely on family for food and essentials. \n\nYour representatives repeated advisements to wait XXXX hours are not an acceptable solution. These delays have persisted for several days, despite your own confirmation that there are no holds or restrictions on my account. Capital One has verified my identity multiple times, including drivers license uploads and phone-based verification. * * There is no legitimate basis to continue denying my access to funds. * * # # # Legal Position : * * * Federal Reserve regulations * * require immediate availability of domestic wire transfers upon acceptance by the receiving bank. \n* XXXX Ones * * own policies * * confirm that wired funds are available within XXXX business day for both new and existing clients. \n* By refusing access, Capital One is engaged in * * conversion, breach of contract, and bad-faith banking practices * *, causing foreseeable damages. \n\n# # # Demand : I hereby demand : XXXX. * * XXXX restoration of full access to all funds in my account * *, including unrestricted debit card access up to the \\ {$25000.00} daily limit; * * or * * XXXX. If access is not immediately restored, Capital One must issue a * * certified cashiers check * * for the full balance of my accounts ( not less than * * \\ {$15000.00} * * ) and ensure * * FedEx delivery to my home address by XXXX AM EST on Monday, XX/XX/XXXX * *. \n\nThis demand is * * urgent and must be honored immediately upon receipt * * of this letter. If Capital One chooses to retaliate by closing my accounts rather than taking corrective action, you remain fully obligated to release and deliver sufficient funds to cover the outstanding balance for my vehicle purchase on XX/XX/XXXX, in addition to the full balance owed to me. Closing my accounts will not excuse compliance with this demand. \n\n# # # Notice of Legal Action : If Capital One fails to comply, I will file suit in the * * XXXX XXXX XXXX for XXXX XXXX XXXX XXXX North Carolina * * on XX/XX/XXXX, seeking injunctive relief, full damages ( including consequential and punitive damages ), and recovery of attorneys fees. \n\nA complaint has already been filed with the * * Consumer Financial Protection Bureau ( CFPB ) * *, and further complaints will be filed with all appropriate regulatory and oversight agencies. \n\nCapital One is fully aware of the urgency of this matter and the devastating impact of its unlawful conduct. This is your * * final opportunity * * to resolve this voluntarily. \n\nRespectfully, XXXX XXXX funds were received in the amount of {$20000.00} from XXXX XXXX Bank through a wire and were received from XXXX for sale of XXXX XXXX ES XXXX. Provide those were received approximately XX/XX/XXXX and per XXXX policy wired funds are fully accessible and released to new and existing clients with a new client considered being with them for 30 days or less, and those funds are fully released within XXXX business day, therefore all funds that were deposited were fully my money and released to me. XXXX has had a savings account in my name for several years and theres never been any issues whatsoever. Upon selling the vehicle to XXXX a paper check was given that was deposited to XXXX XXXX where I maintained an account and was mailed to them and deposited by them XX/XX/XXXX. On XXXX. XXXX XXXX XXXX XXXX Bank paid the funds for that check and they were received by XXXX. This information was confirmed by XXXX in regards to their check. On XX/XX/XXXX XXXX bank reverse the funds back to XXXX XXXX and upon inquiry to them on why the funds were removed from my account. I was advised they were sending the check back to me and that the check was invalid, which was not true and they reverse the funds back and denied it however, I have not received that check back at this point and was advised I would get it in XXXX days. carvana was contacted XX/XX/XXXX and agreed to a XXXX transaction. They confirmed with XXXX XXXX details that the check funds were released the XXXX and reversed back by XXXX and they placed a stop on the check. After several days with XXXX of dispute regarding the XXXX deposit and their demands to do a wire deposit only which is not in accordance to their policy or the agreement that was made a account was opened with capital one bank where I helped a savings account for a XXXX checking account. The funds were immediately wired by XXXX to capital one bank and received approximately XXXX XX/XX/XXXX. Upon receiving the funds, I was denied access to the funds by capital one and they denied allow me access to do a wire transfer, and XXXX transfer, certified check, and provided that due to a phone number. Update that I was denied these things on the new account. Upon providing that I would transfer the funds to the savings account that was long-standing the savings account furthermore denied any access or ability to those funds, providing the same things leading to extensive conversation and one providing that there was nothing they could do for me. A debit card was in the process of being sent and I demanded this be expedited and this was received on XX/XX/XXXX. Upon receiving the card multiple transactions were attempted and fully denied. After contacting capital one on XX/XX/XXXX and requesting that I have my daily XXXX debit card limit raised to XXXX and then I was purchasing a used vehicle as I had been without a vehicle since XX/XX/XXXX when I sold my car to Carvana and due to all of the issues that presented with cashing of the check, I was paid and deposit of funds. It prohibited me from any money, forcing my family to support me, but furthermore, my inability to pay rent, my inability to pay ordered attorney fees that are going to place me in contempt and incarcerate me, eviction XX/XX/XXXX as my XXXX rent has not been paid yet and past due with extensive late fees, inability to survive and pay any funds that are due. After the amount was raised by capital one on XX/XX/XXXX the transactions all continue to be denied and I was not able to use cash app, XXXX, XXXX XXXX, do any money transfers through XXXX XXXX or XXXX, even a XXXX was denied with the low amount of {$6.00}. After your continued conversation of at least XXXX phone calls XX/XX/XXXX with capital one which of all been recorded they raised my credit limit on the debit card to XXXX which is their XXXX amount and I was able to transact XXXX in money orders which I purchased to purchase the vehicle and a person drove XXXX hour with the car as there was full understanding I would be able to gain all the money to purchase the vehicle however after the XXXX at Food Lion on XX/XX/XXXX it declined and continue declining any further transactions. I was advised by their management team, which was recorded again that at midnight their accounts would reset, and that there was no security matters and that after speaking extensively with their security team, the day prior that there was exclusions, listed on my account to stop any fraudulent, concerns and strong documentation in regards to the issues, the multiple attempts, and the needs an access to my funds which I fully own. on XX/XX/XXXX I attempted to make a small transaction with the debit card and was denied, I attempted to use money platform, cash app and XXXX XXXX and was denied. I contacted capital one prior to walking to XXXX to gain further money orders as I plan to purchase the vehicle today and they continue to leave the raised credit limit at XXXX allow me to do so as they were well aware of these needs. I provided to the assistant who transfer me to XXXX XXXX of all matters included and she reviewed the account in all notes. She told me that my credit limit was remaining at XXXX and that no security holds or locks were on my account is these denials were providing me to contact capital one and occurring. I advised her that there is issues in that. I understand that they have not placed any hold on my account, they have raised my daily limit to XXXX however, when I attempt any transaction, it provides for security reasons that the account is locked or unable to process and that I can not use my account debit card or make any transaction or access any of my money and was told theres nothing I could do and that I could wait XXXX hours again which I was told the day prior but told again to wait XXXX more hours to access any of my money which is not an acceptable solution and theres no security matters at hand, causing them to prohibit me usage of my accounts. On XX/XX/XXXX on XXXX different times ID of my drivers license was done for their identification purposes and they have strong confirmation. Furthermore with their system recognize my phone number and linking to me who I am. They are prohibiting me access to any of my money. I provided to her that I will lose the job offer I have, I have not paid my rent and going to be evicted, going to be incarcerated for not paying attorney fees and have no food or ability to survive and that my only money and all money I have is with them and I can not access any of it and furthermore that I own this money and they are not allowing me access to my money and that is illegal. She provided that was being recorded in conversation and they would keep this in their records and for the more document and theres nothing further to be done. At this point, theyve denied me access to any of my money, denied taking proper action and have full knowledge and awareness that I can not access any funds and have done nothing about it. this needs to be pursued, as I am facing irreversible harm and damages, and being denied access to my money that I fully own and they have no holds on them illegally. A complaint is being filed with the consumer protection financial in regards to capital one in their conduct and there is desire to pursue if I do not have immediate access on XX/XX/XXXX to all of my funds to which I am entitled and own and in that legal filing responsibility to them for unpaid rent and eviction, loss of employment and inability to work, no vehicle and inability to obtain a vehicle as they are aware that I was attempting to do, no ability to pay attorney fees and incarceration for at least 30 days in XXXX XXXX North Carolina and threats of my accounts continue to be locked due to my expression of proceeding legally for their conduct and failure to allow me access to my money. The phone conversations have been extensive and communication very extensive with false providing of access to my accounts and that there are no issues or actions on their part prohibiting me from access even though XXXX being denied and they are fully aware of it and taking no action to correct this. These matters potentially could be escalating from XXXX Bank, who did not accept my check and falsely provided it as invalid and furthermore closed my account for no reason potentially placing warnings under my name linked to my Social Security number now prohibiting me from properly banking with any other bank and access to my money. There is over {$15000.00} in the account currently that XXXX being denied access to that is fully owned by me. The matter has escalated in their team and they are taking no action. A letter of demand was filed and faxed to them with confirmation on XX/XX/XXXX, providing that I immediately receive the expedite debit card by XX/XX/XXXX and access to my phone without restrictions and that there would be legal actions pursuit if not which they did proceed to provide a debit card XX/XX/XXXX and it was received to be a XXXX however since receiving that Ive been limited or declined or locked out of my accounts and access to my money. if there is not immediate access to my funds by XX/XX/XXXX, regardless of it being a weekend as they have staff fully able to help and properly fix these issues and they have confirmed this and furthermore, this has nothing to do with anyone outside of capital one and lastly they have already provided to me that theres no restrictions or locks on my account with this being said if I dont have access to my funds immediately as they have set my limit to XXXX on the debit card and my transactions continue to decline that my funds need to be immediately provided to me from these accounts in full and that money must be received by XXXX AM on Monday, XX/XX/XXXX and failure to do so will proceed with legal filings immediately on XX/XX/XXXX. Provided XX/XX/XXXX a complaint has been filed with the consumer financial protection in regards to their conduct, and I have extensively communicated and been extremely patient and understanding of money that I own and that they are denying the access to and instead suggesting that they are not, and theres no restrictions however I am being provided. There is restrictions through every attempt I make, and the impact this is having in my life. Provide that I have received legal assistance and guidance with this matter and their failure to comply and release my funds to me immediately through usage of my debit card ending in XXXX will escalate to demand for all money in my accounts that I fully own, and if they have no ability to hold any restrictions on as they were received through a wire and for any new customer which is less than 30 days for an account they are allowed full access to release of funds in XXXX business day therefore wondering this money fully owned by me and then having no control to suggest or interfere with. They opened this account for Me upon applying for it without restriction and imposing any restriction at this point or basing any actions upon XXXX bank and issues caused by XXXX and their check and theyre closing my account or furthermore, the multiple and extensive attempts to gain access of money through different platforms that they were on the phone and advised me to do not be held against me and that would be retaliation.","date_sent_to_company":"2025-08-23T18:27:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27215","tags":null,"has_narrative":true,"complaint_id":"15477922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-23T18:05:00.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["<em>Provide</em> that I have received <em>legal</em> assistance and <em>guidance</em> with this matter and their failure to <em>comply</em> and release my funds to me immediately through usage of my debit card ending in XXXX will escalate to demand for all money in my accounts that I fully own, and if they have no ability to hold any restrictions on as they were received through a wire and for any new customer which is less than 30 days for an account they are allowed full access to release of funds in XXXX business day therefore wondering"]},"sort":[8.211292,"15477922"]},{"_index":"complaint-public-v1","_id":"7374211","_score":5.2250533,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Vroom Inc parent company of their subsidiary company referred to as United Auto Credit Corporation ( UACC ) that was integrated with and now considered a lending company operation for Vroom Inc. Vroom Inc is owner of United Auto Credit Corporation per their XXXX annual report pursuant to section 13 or 15d of the Securities and Exchange Act of 1934 for the fiscal year that ended XX/XX/XXXX. Their Commission file number : XXXX is. Vroom Inc subsidiary company referenced in the XXXX annual reporting as ( UACC ) United Auto Credit Corporation have not been in compliance with the agreement they signed with the United States Security And Exchange Commission. Pursuant to section 13 or 15 ( b ) the Securities Exchange Act of 1934.This also includes their disregard to Rule 405 of the Securities Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262 ( b ). Per your agreement as amended ( the \" Sarbanes Oxley-Act '' ), the XXXX XXXX Reform and Consumer Protection Act of 2020 ( the Dodd-Frank Act ), the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX and standards. All which imposes additional reporting and other obligations in reference to Vroom Inc and subsidiaries as a public company. Because your company agreed to comply with government regulations and your company Vroom Inc ( UACC ) United Auto Credit Corporation are subject to extensive U.S. federal, state and local laws and regulation. This also includes protection laws, including prohibitions against unfair or deceptive acts or practices. The federal governmental agencies that regulate your company/ business and has the authority to enforce such statutes and laws against you including agencies such as the U.S. Federal Trade Commission , the U.S. Department of Transportation , the U.S. Occupational Health and Safety Administration , the U.S. Department of Justice and the U.S. Federal Communications Commission . Additionally, Vroom Inc and subsidiary ( UACC ) are subject to such statutes by individual state dealers licensing authorities, state consumer protection agencies and state financial regulatory agencies. In addition, ( UACC ) are subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ) and state consumer protection agencies, including state attorney general offices and state financial regulatory agencies. Failure to comply with federal, state and local laws and regulations relating to privacy, data protection and consumer protection, or the expansion of current or the enactment of new laws or regulations relating to privacy, data protection and consumer protection. Failure to protect such information could harm your reputation and could adversely affect your company including subsidiaries that fall under your business, financial condition and results of operations. Vroom Inc parent company of subsidiary United Auto Credit Corporation are also supposed to remain in compliance and conformity of GAAP. Vroom Inc and subsidiaries have not been in compliance and continue to fail to acknowledge, wrongdoing not only in reference to the Securities and Exchange Act of 1934, but also failed to comply FINRAS rules and guidance as a business. Vroom Inc and subsidiary ( UACC ) has continued to voluntarily violate my privacy and security by not safeguarding my personal information. Instead they choose to share that information with third party vendors such as repossession companies.As a whole this company has not lived up to their promises that they agreed to. This organization has violated my privacy rights as a consumer, and misled me by failing to maintain my security for sensitive consumer information, or caused substantial consumer injury. United Auto Credit Corporation subsidiary of Vroom Inc has violated Section 5 of the FTC Act, which bars unfair and deceptive acts and practices in or affecting commerce. As a company Vroom Inc subsidiary ( UACC ) has violated numerous rules, regulations of the agreement of the Securities Exchange Act of 1934, Rule 405 of the Securities Act, Section 13 or Section 15 ( d ) of the Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262, the Dodd-Frank Act ), the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX  and XXXX. I am aware that XXXX takes disciplinary actions against firms and individuals for violations of XXXX rules ; federal securities laws, rules, and regulations ; and the rules of the XXXX XXXX XXXX XXXX. In addition to Sanctions including restitution, fines, suspensions, and in cases of serious misconduct, bars from the brokerage industry. Vroom Inc and subsidiaries provided false and misleading information in reference to the my contract and didnt advise me of my right to rescind and revoke their right to have security in my contract, insurance bonds, repossession, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner, myself XXXX XXXX. You Vroom Inc and subsidiary of United Auto Credit Corporation are allowed to keep your 20 % and I make my 80 %. I did not authorize nor agree to your company giving my personal information to other companies such as those who repossessed my vehicle. Privacy Act of 1974 ( 5 U.S. Code 552a ). The term record means any item, collection or grouping of information about an individual that is maintained by agency, including, but not limited to financial transactions and any information containing my name or identifiable number. Vroom Inc and subsidiaries did not provide a conditional disclosure.No agency or company shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. \n\nAgain they need prior written instruction of the individual to whom it relates. \n\nSection 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; Vroom Inc and subsidiaries did not receive any written consent prior to the repossession to release my private information to any other third party companies XXXX and XXXX XXXX in reference to repossession. Vroom Inc and Subsidiaries United Auto Credit Corporation have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. According to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. \n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. \n\n\n\n\n\nEvery company should provide a privacy notice before they furnish any information to my consumer report. Vroom Inc and subsidiaries failed to provide me with a privacy notice, nor did they advise they were furnishing my information which is a violation. According to 12 CFR 1016.4 Initial privacy notice to consumers required. Vroom Inc and subsidiaries ( UACC ) per 1016.4 Initial privacy notice to consumers required to Provide an Initial notice. It must provide a clear and conspicuous notice that accurately reflects Vroom Inc ( UACC ) privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. XXXX U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Your company Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also, 15 U.S.Code 1692e ( 4 ) illegal repossessions states it is a fact, affiant is aware, this threat of foreclosure, that I, the affiant has proof of in documented Vroom Inc subsidiary ( UACC ) is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. Notice, it is a fact, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; XXXX XXXX XXXX. For each violation of TILA is double the finance charge when it comes to consumer credit transactions. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. Vroom Inc parent company of subsidiary United auto credit Corporation did not follow or comply with my request for documentary evidence pursuant to 15 U.S.Code 44 including all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. Because United Auto Credit Corporation ( the creditor ) did not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfits all rights to collect on the amount the person has identified in dispute. If I am provided with the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. Notice, it is a fact, affiant is aware, until the creditor has resolved a billing error dispute United auto Credit Corporation can not report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611 ( 1 ) for failing to disclose information Vroom Inc subsidiary United Auto Credit Corporation is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640 ( a ) ( 2 ) ( A ) ( i ). Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done United auto Credit Corporation can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If United Auto Credit Corporation reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. According to 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583. Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by United Auto Credit Corporation is violating 15 U.S.Code 1691 ( a ) ( 3 ). Notice it is a fact, affiant is aware, pursuant to 15 U.S. Code 6809 ( 9 ), I the affiant, am a consumer in connection with this financial institution Vroom Inc subsidiary ( UACC ). Notice it is a fact, affiant is aware, whoever violates 15 U.S. Code 6821 such as the a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to XXXX for a felony by an organization or imprisoned for 5 years or both. 15 U.S. Code 6827 ( 4 ) ( B ) Definition of a financial institution includes any depository institution, any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, any consumer reporting agency, any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Notice, it is a fact, affiant is aware, the definition of payment pursuant to 15 U.S. Code XXXX refers to oil for commercial use and minerals in reference to gold and silver as lawful money detailed in the U.S. Constitution. I, the affiant, is unaware of any other definition of payment under commerce and trade or the consumer credit protection act. Out of these options defined under federal law, Vroom Inc and subsidiaries ( UACC ) did not specify which of these options the company preferred as payment. Nowhere in connection with commerce and trade is legal tender constitutes satisfaction of payment. Because there is no money in circulation, I have provide 1099c IRS documentation stating debt was cancelled. Notice, it is a fact, affiant is aware, in accordance with 15 U.S.Code 77q affiant has reason to believe and do so believe Vroom Inc and subsidiaries ( UACC ) has committed securities fraud as it is unlawful to offer or sell of any securities by use of the mails, directly or indirectly to employ any scheme, or artifice to defraud, obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statements made, in light of the circumstances under which they were made, or engage in any transaction, practice, or course of business which operates or would operate as a fraud or deceit upon the purchaser. Notice it is a fact, affiant is aware, the consumer has the right to request the money audit trial 12 U.S.Code 5562 ( c ) ( 10 ) and would this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the GAAP audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) XXXX XXXX XXXX XXXX is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. Notice, it is a fact, affiant is aware, the United States is a federal corporation pursuant to 28 U.S.Code 3002 ( 15 ) ( A ) Notice, it is a fact, affiant is aware, in the head of the agency or its private attorney pursuant to 28 U.S.Code 3002 ( 1 ) ( B ) needs a contract with a to collection service to recover or locate indebtedness owed by the United States Govt in accordance with 18 U.S.Code 8. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If Vroom Inc subsidiary United Auto Credit Corporation has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain. Notice, it is a fact, affiant is aware, she/her is a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). Notice, it is a fact, in connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against United Auto Credit Corporation in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I am asking that you properly remit my 1099c so that I can properly file my taxes return. Please send Copy B of 1099c and documentation stating that it was transmitted to the treasury. I just realized I have not truly paid you. Please return all of my ( Floating rate notes ) In addition, I am requesting that all my tenders are returned back to me. Please also wire my securities through my XXXX account. Please also return my XXXX XXXX XXXX XXXX white XXXX XXXX to its original location and address. And please send my title as well. If the vehicle is sold for any reason then I would like a check issue to me for the full amount of vehicle including the down payment and finance charge for the 72 months listed in the contract or another vehicle of my choosing for the inconvenience.I am now revoking your right to have security in this, insurance bonds, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner. You are allowed to keep your 20 % and I make my 80 %. \n\n* Violations 15 U.S.Code 1692e ( 10 ) 1 15 U.S.Code 1692e ( 12 ) 15 U.S.Code 1692f ( 1 ) 15 U.S.Code 1692f ( 6 ) 15 U.S.Code 1692g ( b ) 15 U.S.Code 1692g ( c ) 15 U.S.Code 1692h 15 U.S.Code 1692j 1 15 U.S.Code 1692k ( a ) ( 1 ) 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681i ( 6 ) ( A ) 15 U.S. Code 1681q TITLE 15 CHP 41 1601 15 U.S.Code 1602 ( b ) 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 U.S.Code 1602 ( v ) title 15 U.S.Code 1605 15 U.S.Code 1605 ( a ) 15U.S.Code1605 ( a ) ( b ) 15 U.S. Code 1611 15 U.S. Code 1635 15 U.S.Code 1635 ( f ) 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 15 U.S.Code 1640 ( a ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 1662 ( b ) 15 U.S. Code 1691 15 U.S. Code 78m ( q ) ( 1 ) 12 U.S.Code 5562 ( c ) ( 10 ) 12U.S.Code1831n ( 2 ) ( A ) 28 U.S.Code 1746 28 USC 1746 28 U.S. Code 3002 ( 1 ) ( B ) 28 USC 3002 ( 1 ) ( B ) 28 U.S. Code 3002 ( 15 ) ( A ) 31 U.S. Code 3711 ( e ) ( 9 ) 31 U.S. Code 3711 ( e ) ( 9 ) 16 C.F.R. 433.1 ( b ) 16 CFR 433.2 ( a )","date_sent_to_company":"2023-08-23T17:38:19.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"7374211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2023-08-10T01:22:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Nowhere in connection with commerce and trade is <em>legal</em> tender constitutes satisfaction of payment. Because there is no money in circulation, I have <em>provide</em> 1099c IRS documentation stating debt was cancelled."]},"sort":[5.2250533,"7374211"]},{"_index":"complaint-public-v1","_id":"7383815","_score":4.3853283,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"United Auto Credit Corp subsidiary of parent company XXXX XXXX ( parent company ) of who is also referred to as United Auto Credit Corporation ( UACC ) that was integrated with and now considered a lending company operation for XXXX XXXX XXXX XXXX is owner of United Auto Credit Corporation per their XXXX annual report pursuant to section 13 or 15d of the Securities and Exchange Act of 1934 for the fiscal year that ended XX/XX/XXXX. Their Commission file number : XXXX is. XXXX XXXX subsidiary company referenced in the XXXX annual reporting as ( UACC ) United Auto Credit Corporation have not been in compliance with the agreement they signed with the United States Security And Exchange Commission. Pursuant to section 13 or 15 ( b ) the Securities Exchange Act of 1934.This also includes their disregard to Rule 405 of the Securities Act, and implemented by the Sarbanes-Oxley Act of XXXX ( 15 U.S.C. 7262 ( b ). Per your agreement as amended ( the \" Sarbanes Oxley-Act '' ), the XXXX XXXX Reform and Consumer Protection Act of XXXX ( the Dodd-Frank Act ), the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX rules and standards. All which imposes additional reporting and other obligations in reference to XXXX XXXX and subsidiaries as a public company. Because your company agreed to comply with government regulations and your company XXXX XXXX ( UACC ) United Auto Credit Corporation are subject to extensive U.S. federal, state and local laws and regulation. This also includes protection laws, including prohibitions against unfair or deceptive acts or practices. The federal governmental agencies that regulate your company/ business and has the authority to enforce such statutes and laws against you including agencies such as the U.S. Federal Trade Commission , the U.S. Department of Transportation XXXX the U.S. Occupational Health and Safety Administration , the U.S. Department of Justice and the U.S. Federal Communications Commission XXXX Additionally, XXXX XXXX and subsidiary ( UACC ) are subject to such statutes by individual state dealers licensing authorities, state consumer protection agencies and state financial regulatory agencies. In addition, ( UACC ) are subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ) and state consumer protection agencies, including state attorney general offices and state financial regulatory agencies. Failure to comply with federal, state and local laws and regulations relating to privacy, data protection and consumer protection, or the expansion of current or the enactment of new laws or regulations relating to privacy, data protection and consumer protection. Failure to protect such information could harm your reputation and could adversely affect your company including subsidiaries that fall under your business, financial condition and results of operations. XXXX XXXX parent company of subsidiary United Auto Credit Corporation are also supposed to remain in compliance and conformity of GAAP. XXXX XXXX and subsidiaries have not been in compliance and continue to fail to acknowledge, wrongdoing not only in reference to the Securities and Exchange Act of 1934, but also failed to comply FINRAS rules and guidance as a business. XXXX XXXX and subsidiary ( UACC ) has continued to voluntarily violate my privacy and security by not safeguarding my personal information. Instead they choose to share that information with third party vendors such as repossession companies. As a whole this company has not lived up to their promises that they agreed to. This organization has violated my privacy rights as a consumer, and misled me by failing to maintain my security for sensitive consumer information, or caused substantial consumer injury. United Auto Credit Corporation subsidiary of XXXX XXXX has violated Section 5 of the FTC Act, which bars unfair and deceptive acts and practices in or affecting commerce. As a company Vroom Inc subsidiary ( UACC ) has violated numerous rules, regulations of the agreement of the Securities Exchange Act of 1934, Rule 405 of the Securities Act, Section 13 or Section 15 ( d ) of the Act, and implemented by the Sarbanes-Oxley Act of 2022 ( 15 U.S.C. 7262, the Dodd-Frank Act ), the Public Company XXXX XXXX XXXX XXXX XXXX ) and XXXX rules and standards. I am aware that XXXX takes disciplinary actions against firms and individuals for violations of FINRA rules ; federal securities laws, rules, and regulations ; and the rules of the XXXX XXXX XXXX XXXX. In addition to Sanctions including restitution, fines, suspensions, and in cases of serious misconduct, bars from the brokerage industry. XXXX XXXX and subsidiaries provided false and misleading information in reference to the my contract and didnt advise me of my right to rescind and revoke their right to have security in my contract, insurance bonds, repossession, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner, myself XXXX XXXX. You XXXX XXXX and subsidiary of United Auto Credit Corporation are allowed to keep your 20 % and I make my 80 %. I did not authorize nor agree to your company giving my personal information to other companies such as those who repossessed my vehicle. Privacy Act of 1974 ( 5 U.S. Code 552a ). The term record means any item, collection or grouping of information about an individual that is maintained by agency, including, but not limited to financial transactions and any information containing my name or identifiable number. XXXX XXXX and subsidiaries did not provide a conditional disclosure. No agency or company shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; XXXX XXXX and subsidiaries did not receive any written consent prior to the repossession to release my private information to any other third party companies Skip.co and relentless auto in reference to repossession. XXXX XXXX and XXXX United Auto Credit Corporation have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. According to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Every company should provide a privacy notice before they furnish any information to my consumer report. XXXX XXXX and subsidiaries failed to provide me with a privacy notice, nor did they advise they were furnishing my information which is a violation. According to 12 CFR 1016.4 Initial privacy notice to consumers required. XXXX XXXX and subsidiaries ( UACC ) per 1016.4 Initial privacy notice to consumers required to Provide an Initial notice. It must provide a clear and conspicuous notice that accurately reflects XXXX XXXX ( UACC ) privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states \" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Your company Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also, 15 U.S.Code 1692e ( 4 ) illegal repossessions states it is a fact, affiant is aware, this threat of foreclosure, that I, the affiant has proof of in documented Vroom Inc subsidiary ( UACC ) is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. Notice, it is a fact, affiant is invoking it's right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc. For each violation of TILA is double the finance charge when it comes to consumer credit transactions. Each violation is double the finance charge. In a lease each violation is XXXX dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka XXXX. charges. XXXX XXXX parent company of subsidiary United auto credit Corporation did not follow or comply with my request for documentary evidence pursuant to 15 U.S.Code 44 including all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( -- ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. Because United Auto Credit Corporation ( the creditor ) did not provide all documentary evidence as defined under 15 U.S.Code 44 this will result in a billing error and the creditor forfeits all rights to collect on the amount the person has identified in dispute. If I am provided with the final payout statement amount and states the amount is a billing error then the entire amount would not be able to be collected on. Notice, it is a fact, affiant is aware, until the creditor has resolved a billing error dispute United auto Credit Corporation can not report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611 ( 1 ) for failing to disclose information XXXX XXXX subsidiary United Auto Credit Corporation is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640 ( a ) ( 2 ) ( A ) ( i ). Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done United auto Credit Corporation can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If United Auto Credit Corporation reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. According to 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583. Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by United Auto Credit Corporation is violating 15 U.S.Code 1691 ( a ) ( 3 ). Notice it is a fact, affiant is aware, pursuant to 15 U.S. Code 6809 ( 9 ), I the affiant, am a consumer in connection with this XXXX XXXX XXXX XXXX subsidiary ( UACC ). Notice it is a fact, affiant is aware, whoever violates 15 U.S. Code 6821 such as the a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 15 U.S. Code 6827 ( 4 ) ( B ) Definition of a financial institution includes any depository institution, any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, any consumer reporting agency, any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Notice, it is a fact, affiant is aware, the definition of payment pursuant to 15 U.S. Code 78MQ1 refers to oil for commercial use and minerals in reference to gold and silver as lawful money detailed in the U.S. Constitution. I, the affiant, is unaware of any other definition of payment under commerce and trade or the consumer credit protection act. Out of these options defined under federal law, XXXX XXXX and subsidiaries ( UACC ) United Auto Credit Corporation did not specify which of these options the company preferred as payment. Nowhere in connection with commerce and trade is legal tender constitutes satisfaction of payment. Because there is no money in circulation, I have provide 1099c IRS documentation stating debt was cancelled. Notice, it is a fact, affiant is aware, in accordance with 15 U.S.Code 77q affiant has reason to believe and do so believe XXXX XXXX and subsidiaries ( UACC ) United Auto Credit Corporation has committed securities fraud as it is unlawful to offer or sell of any securities by use of the mails, directly or indirectly to employ any scheme, or artifice to defraud, obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statements made, in light of the circumstances under which they were made, or engage in any transaction, practice, or course of business which operates or would operate as a fraud or deceit upon the purchaser. Notice it is a fact, affiant is aware, the consumer has the right to request the money audit trial 12 U.S.Code 5562 ( c ) ( 10 ) and would this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice it is a fact, affiant is aware, in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) the GAAP audit trail, accounting and insurance would be needed as document evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) United Auto Credit Corporation is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. Notice, it is a fact, affiant is aware, the United States is a federal corporation pursuant to 28 U.S.Code 3002 ( 15 ) ( A ) Notice, it is a fact, affiant is aware, in the head of the agency or its private attorney pursuant to 28 U.S.Code 3002 ( 1 ) ( B ) needs a contract with a to collection service to recover or locate indebtedness owed by the United States Govt in accordance with 18 U.S.Code 8. Notice, it is a fact, affiant is aware, in the head of the agency involved in the collection of debts or collection activity when they perform any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to credit reporting bureaus, garnishing wages, and litigation or foreclosure. If XXXX XXXX subsidiary United Auto Credit Corporation has filled out a 1099c form and is continuing any of these activities they have committed tax fraud and should be reported to the IRS for a fraudulent financial gain. Notice, it is a fact, affiant is aware, she/her is a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). Notice, it is a fact, in connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against United Auto Credit Corporation in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I am asking that you properly remit my 1099c so that I can properly file my taxes return. Please send Copy B of 1099c and documentation stating that it was transmitted to the treasury. I just realized I have not truly paid you. Please return all of my ( Floating rate notes ) In addition, I am requesting that all my tenders are returned back to me. Please also wire my securities through my XXXX account. Please also return my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to its original location and address. And please send my title as well. If the vehicle is sold for any reason then I would like a check issue to me for the full amount of vehicle including the down payment and finance charge for the 72 months listed in the contract or another vehicle of my choosing for the inconvenience. I am now revoking your right to have security in this, insurance bonds, maintenance bonds, finance charges and proceeds. And it needs to be redirected to its lawful owner. You are allowed to keep your 20 % and I make my 80 %. Please also be mindful of Federal Reserve act section 29 in regards to a Civil Money Penalty. \" a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues. '' [ 12 USC 504 ( a ) ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who commits any violation described in subsection ( a ) ; recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or breaches any fiduciary duty ; which violation, practice, or breach -- is part of a pattern of misconduct ; causes or is likely to cause more than a minimal loss to such member bank ; or results in pecuniary gain or other benefit to such party, shall forfeit and pay a civil penalty of not more than {$25000.00} for each day during which such violation, practice, or breach continues. \n\n[ 12 USC 504 ( b ).\n\n( c ) Third Tier. Notwithstanding subsections ( a ) and ( b ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who -- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice in conducting the affairs of such credit union ; or breaches any fiduciary duty ; and knowingly or recklessly causes a substantial loss to such credit union or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach, shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subsection ( d ) for each day during which such violation, practice, or breach continues. \n\n[ XXXX XXXX XXXX ( c ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( d ) Maximum Amounts Of Penalties For Any Violation Described In Subsection ( c ). The maximum daily amount of any civil penalty which XXXX be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and in the case of a member bank, an amount not to exceed the lesser of -- {>= $1,000,000} ; or XXXX percent of the total assets of such member bank. \n[ 12 USC 504 ( d ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by acts of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( XXXX ) Assessment, Etc. Any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected by in the case of a national bank, by the Comptroller of the Currency ; and in the case of a State member bank, by the Board, in the manner provided in subparagraphs ( E ), ( F ), ( G ), and ( I ) of section 8 ( i ) ( 2 ) of the FederaXXXX XXXX XXXX XXXX for penalties imposed ( under such section ) and any such assessment shall be subject to the provisions of such section. \n\n[ XXXX XXXX XXXX ( XXXX ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( f ) Hearing. The member bank or other person against whom any penalty is assessed under this section shall be afforded an agency hearing if such member bank or person submits a request for such hearing within 20 days after the issuance of the notice of assessment. Section XXXX ( h ) of the Federal Deposit Insurance Act shall apply to any proceeding under this section. \n\n[ XXXX XXXX XXXX ( f ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( g ) Disbursement. All penalties collected under authority of this paragraph shall be deposited into the Treasury. \n\n[ XXXX XXXX XXXX ( g ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( h ) Violate Defined. For purposes of this section, the term \" violate '' includes any action ( alone or with another or others ) for or toward causing, bringing about, participating in, counseling, or aiding or abetting a violation. \n\n[ XXXX XXXX XXXX ( h ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( i ) Regulations. The Comptroller of the Currency and the XXXX shall prescribe regulations establishing such procedures as XXXX be necessary to carry out this section. \n\n[ XXXX XXXX XXXX ( i ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] ( m ) * Notice Under This Section After Separation From Service. The resignation, termination of employment or participation, or separation of an institution-affiliated party ( within the meaning of section XXXX ( u ) of the Federal Deposit Insurance Act ) with respect to a member bank ( including a separation caused by the closing of such a bank ) shall not affect the jurisdiction and authority of the appropriate Federal banking agency to issue any notice and proceed under this section against any such party, if such notice is served before the end of the 6-year period beginning on the date such party ceased to be such a party with respect to such bank ( whether such date occurs before, on, or after the date of the enactment of this subsection ). \n\n[ 12 USC 504 ( m ). As added by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] * Violations 15 U.S.Code 1692e ( 10 ) 1 15 U.S.Code 1692e ( 12 ) 15 U.S.Code 1692f ( 1 ) 15 U.S.Code 1692f ( 6 ) 15 U.S.Code 1692g ( b ) 15 U.S.Code 1692g ( c ) 15 U.S.Code 1692h 15 U.S.Code 1692j 1 15 U.S.Code 1692k ( a ) ( 1 ) 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681i ( 6 ) ( A ) 15 U.S. Code 1681q TITLE 15 CHP 41 1601 15 U.S.Code 1602 ( b ) 15 U.S.Code 1602 ( e ) 15 U.S.Code 1602 ( f ) 15 U.S.Code 1602 ( v ) title 15 U.S.Code 1605 15 U.S.Code 1605 ( a ) 15U.S.Code1605 ( a ) ( b ) 15 U.S. Code 1611 15 U.S. Code 1635 15 U.S.Code 1635 ( f ) 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) 15 U.S.Code 1640 ( a ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 1662 ( b ) 15 U.S. Code 1691 15 U.S. Code 78m ( q ) ( 1 ) 12 U.S.Code 5562 ( c ) ( 10 ) 12U.S.Code1831n ( 2 ) ( A ) 28 U.S.Code 1746 28 USC 1746 28 U.S. Code 3002 ( 1 ) ( B ) 28 USC 3002 ( 1 ) ( B ) 28 U.S. Code 3002 ( 15 ) ( A ) 31 U.S. Code 3711 ( e ) ( 9 ) 31 U.S. Code 3711 ( e ) ( 9 ) 16 C.F.R. 433.1 ( b ) 16 CFR 433.2 ( a","date_sent_to_company":"2023-08-10T19:10:23.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"7383815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2023-08-10T18:37:02.000Z","state":"OH","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Nowhere in connection with commerce and trade is <em>legal</em> tender constitutes satisfaction of payment. Because there is no money in circulation, I have <em>provide</em> 1099c IRS documentation stating debt was cancelled."]},"sort":[4.3853283,"7383815"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4}]}},"product":{"doc_count":4,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2}]}}]}},"issue":{"doc_count":4,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":2}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}}]}},"timely":{"doc_count":4,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4}]}},"company_response":{"doc_count":4,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4}]}},"submitted_via":{"doc_count":4,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4}]}},"company":{"doc_count":4,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"United PanAm Financial Corp.","doc_count":2},{"key":"Block, Inc.","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1}]}},"state":{"doc_count":4,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"OH","doc_count":2},{"key":"NC","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":4,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},"tags":{"doc_count":4,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}