{"took":335,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16530513","_score":22.553843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On my credit report i have XXXX  XXXX XXXX  and a XXXX XXXX reporting on the same car. XXXX XXXX  has the title for the car no XXXX. When my lease end with XXXX. I went with lease end company to buy out the lease. After a few days didnt hear from them regarding the boyout so i went to the dealer to finance the lease. By the i left the dealers lease end said the have the title and loan was with XXXX. So i called XXXX  dealer ans XXXX  to withdrawl the loan. Having problem with a response from dealer tried to call multiple time to talk to XXXX no return call. XXXX  doesnt own the title for the car. Cant have to auto loan for the same car.","date_sent_to_company":"2025-10-12T10:42:44.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"02879","tags":null,"has_narrative":true,"complaint_id":"16530513","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-12T10:42:19.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["After a few days didnt hear from them regarding the boyout so i went to the <em>dealer</em> to finance the lease. By the i left the <em>dealers</em> lease end said the have the title and loan was with XXXX. So i <em>called</em> XXXX  <em>dealer</em> ans XXXX  to withdrawl the loan. Having problem with a <em>response</em> from <em>dealer</em> <em>tried</em> to <em>call</em> <em>multiple</em> time to talk to XXXX no return <em>call</em>. XXXX  doesnt own the title for the car. Cant have to auto loan for the same car."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[22.553843,"16530513"]},{"_index":"complaint-public-v1","_id":"8788706","_score":19.951702,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I traded in XXXX XXXX for another XXXX. Our XXXX was already in the middle of being processed. This was in XXXX of XXXX. The refund check was for {$700.00}. It was sent out in XXXX. When checking multiple times with my dealer in XXXX and XX/XX/XXXX. They could not see the check being received. The check was apparently sent to a different dealer in a different town. With the help of the XXXX XXXX we spoke to Kia Finance on the phone to have the check reissued to the proper location since they at that time would NOT issue the check directly to me. XXXX weeks later I called Kia Finance to check that the check was sent. It was NOT reissued or sent. I asked why and they could not give me a reason. I asked for the check to be reissued this time to me and they said they needed written agreement from the dealership. This option was NOT offered when I WAS with the dealer and could have easily done that. I asked for both the check to be finally reissued as well as someone to make an official complaint. I was told that person from the complaint department would call me in XXXX days. They did not call me until approximately XXXX  days later. I waited another XXXX weeks and called to check the status and now they said they tried to call me and were only able to leave a message. I informed them this call was ONLY to complain about their multiple issues with getting me my refund. I informed them that the check SHOULD HAVE BEEN REISSUED BEFORE I even received the call from the person in the complaint department. I tried calling the person that did leave me the response for the complaint however their calls to me only seem to be right before their end of day and I have been unable to get in touch with them and I have left multiple voicemails. This has been XXXX months since paying off the car for me to receive my refund check which as of today XX/XX/XXXX. I still have not received and the company still has not issued. I should have received in XXXX.","date_sent_to_company":"2024-04-16T18:37:43.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"34997","tags":null,"has_narrative":true,"complaint_id":"8788706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2024-04-16T18:13:45.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I informed them this <em>call</em> was ONLY to complain about their <em>multiple</em> issues with getting me my refund. I informed them that the check SHOULD HAVE BEEN REISSUED BEFORE I even received the <em>call</em> from the person in the complaint department. I <em>tried</em> calling the person that did leave me the <em>response</em> for the complaint however their <em>calls</em> to me only seem to be right before their end of day and I have been unable to get in touch with them and I have left <em>multiple</em> voicemails."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[19.951702,"8788706"]},{"_index":"complaint-public-v1","_id":"9749829","_score":18.244389,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/year> I purchased a car from Honda of XXXX and signed a contract for XXXX XXXX financing. When I set up my account on their financing website it indicated XXXX XXXX financing so I reached out to the finance company who referred me to the dealer- they told me the dealer had to submit new paperwork to correct the error. I reached out to the dealer by telephone multiple time and was unsuccessful on getting a response so on XX/XX/XXXX I walked into the dealership and spoke to the General Manager XXXX XXXX. He told me we was aware of the situation and was working it out. He was going to have his new finance manage reach out to me with a solution. You see, the original finance manager XXXX XXXX did not get permission to give me a lower rate prior to doing so and after I left he changed the document and resubmitted it to the finance company ( finance company provided me with the second contract ). I was contacted by XXXX XXXX ( new finance manager ) as XXXX was fired, to come to an agreement on how to settle the matter. He provided me a copy of The Flat Cancel request Form that he signed on XX/XX/year> cancelling the agreement that XXXX filed. He indicated that because they couldn't submit the original contract at the XXXX XXXX as it wasn't approved they would refund me the difference in money that would be paid on the loan - taking it off the top of the note plus additional funds for the aggravation I was put through. I agreed with these terms and signed a new contract on XX/XX/year>. It is now XX/XX/XXXX, and while I have a new contract it is not reflected on the financial website. In fact it is showing a missed payment on the first loan as it has gone passed the due date. When I reached out on XX/XX/XXXX to the finance company to explain the issue she tried to reach the dealer but they did not answer, so she left them a message to return a call to me, they did not. I called again on the XXXX of XXXX and was promised a return call and did not receive one. I email the XXXX with no response. To say I am beyond frustrated can not express my feelings enough. I tried to do this the right way and now I don't know what to do next.","date_sent_to_company":"2024-08-08T11:20:42.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"9749829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2024-08-08T10:48:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["When I reached out on XX/XX/XXXX to the finance company to explain the issue she <em>tried</em> to reach the <em>dealer</em> but they did not answer, so she left them a message to return a <em>call</em> to me, they did not. I <em>called</em> again on the XXXX of XXXX and was promised a return <em>call</em> and did not receive one. I email the XXXX with no <em>response</em>. To say I am beyond frustrated can not express my feelings enough. I <em>tried</em> to do this the right way and now I don't know what to do next."]},"sort":[18.244389,"9749829"]},{"_index":"complaint-public-v1","_id":"11661864","_score":17.175873,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I bought the car in XXXXXXXX XXXX XXXX at a used car dealer on the border of ohio and indianana. My credit was not the best and upon driving by this dealership i noticed they had flags outside that said \" We finance everyone. '' I saw a white jeep that i liked so we stopped in to see on the off chance that they would entertain selling me a much needed vehicle. I inquired about the vehicle and the dealer suggested i do a test drive. When we got back just a few minutes later i walked in and the dealer said congratulations you have been approved. He said all they needed was {$1000.00} down payment and proof of insurance. I bought some insurance online and gave him the {$1000.00}. He had me sign some documents and then handed me the key. Thats when it started. \n\nI started receiving multiple text a day sometimes an hour from the finance company requesting multiple documents so they could Finance the vehicle. I was a little confused because according to the paperwork is signed, they had already approved the loan. I am a XXXX XXXX veteran and to be honest i was intimidated by all the phone calls and text messages from the bank and the car dealership. When they sent me a pic of my driver 's license bringing to my attention that they had expired a month before. I tried to get a driver 's license in Indiana but they required a birth certificate and yeah like i carry that with me. Renewing my Louisiana Driver 's License online was not an option. You have to be invited to be able to do that. Getting my birth certificate would have taken as much as 6 months to get it online so giving it everything I had to try and keep this much needed vehicle I made a command decision to take a road trip and hopefully get the desired documentation uploaded before they uphold their threats and repossess the vehicle. My plans were to swing by Louisiana get my dl updated shoot over to XXXX  and get a copy of the birth certificate so i could get my dl in XXXX. \n\nXXXX thing I forgot to mention is that I have XXXX, XXXX, and in the process of changing that many environments I had a XXXX  exasperation and was XXXX  for 4 days. The medical staff informed me that another 5 minutes and i would have been beyond the point of them being able to bring me back. I can't recall ever being that scared before. I eventually got my dl updated and uploaded it to the bank but decided against returning to Indiana out of fear of a relapse. \n\nThe road trip and hospital stay depleted me of funds and i had difficulties making a payment because of it. I am on a fixed income, so it took me a few months to get caught up. Once I got my account current ( actually the same day I made the payment that brought me current ) the bank closed my account and forced the dealer to buy back the loan. I thought this was suspect because I was receiving text messages from the dealer before they closed my account telling me the bank was harassing him about it. My thoughts were what do you have to do with it our transaction was complete the moment the financing was approved. \n\nI called the bank to discuss this matter with them and they refused to talk to me instead they said my account was closed and they gave me a number to call. The number ended up being a towing/repo company. They told me they did not have the case that they never received it, but the dealer had it. ( how did they know if they never received it? ) Shortly after that phone call i started receiving threatening text messages from the dealer. He told me that he filed a stolen vehicle response with the local police department. \n\nI just can't help smelling a rat here. Sounds like i have been played. \n\nI tried to register the vehicle in XXXX, but they said I couldn't because I had not been provided the necessary documents from the car dealer. so ever since the temporary tags ran out my vehicle has been parked in my driveway collecting dust and rust.","date_sent_to_company":"2025-01-17T21:16:21.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"706XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11661864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AUTOMOTIVE CREDIT CORPORATION","date_received":"2025-01-17T19:51:04.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["I <em>called</em> the bank to discuss this matter with them and they refused to talk to me instead they said my account was closed and they gave me a number to <em>call</em>. The number ended up being a towing/repo company. They told me they did not have the case that they never received it, but the <em>dealer</em> had it. ( how did they know if they never received it? ) Shortly after that phone <em>call</em> i started receiving threatening text messages from the <em>dealer</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[17.175873,"11661864"]},{"_index":"complaint-public-v1","_id":"17830704","_score":16.698723,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Case Summary XXXX XXXXXX/XX/XXXXXXXX XXXX ) XXXX. Vehicle Purchase and Initial Issues Initial vehicle given : XXXX XXXX XXXX Latitude Date : XX/XX/XXXX Dealer : XXXX XXXX XXXX, XXXXXX/XX/XXXX Issue with XXXX vehicle : On driving home, the car vibrated strongly in reverse. Dealer admitted it was a motor mount issue ( ~ {$3000.00} repair ). Dealer offered to pay for repair or allow exchange for another vehicle. \nVehicle exchanged for : XXXX XXXX XXXX ( the one now with ongoing issues ). \nPurchase conditions : Vehicle tested by dealer and your husband, reviewed via XXXX inspection and XXXX. Sales staff pressured for additional warranty purchase, implying potential future problems. \nDate Event Details XX/XX/XXXX Purchase of XXXX XXXX XXXX Noted strong vibration in reverse. Dealer acknowledged problem with motor mounts ( ~ {$3000.00} ) but offered repair or exchange for XXXX XXXX XXXX. \nXX/XX/XXXX Exchange for XXXX XXXX XXXX XXXX confirmed vehicle tested ( 20+ minutes ) and reviewed XXXX inspection and XXXX. Salesperson pressured warranty purchase, warning of potential issues. \nXX/XX/XXXX Check Engine light ON Code : purge solenoid. XXXX mechanical issue detected. \nXX/XX/XXXX First dealer visit Dealer claimed issue resolved via software update ; car returned without Check Engine light. \nDays later Check Engine light returns Brought vehicle back ; dealer said warranty would not cover repair ( 90-day warranty claimed to have expired ). You pointed out that the same code appeared during prior visit, demonstrating inconsistency. \nXX/XX/XXXX Messages to dealer Sent videos of unusual noises, reports of shudder between XXXX and XXXX gear, and wheel noise. Dealer claimed vehicle safe to drive and would review warranty for service scheduling. No further follow-up from dealer. \nXX/XX/XXXX XXXX XXXX light ON Car now showing XXXX system failure. Brought to dealer, reported wheel noise, shuddering, and transmission concerns. Diagnostic cost quoted ~ {$900.00}. \nXX/XX/XXXX Dealer evaluation Informed warranty expired 90 days prior ( XX/XX/XXXX ). Suggested you call warranty company for coverage clarification. \nXX/XX/XXXX Service report XXXX obstructed ; transmission contaminated with metal. Dealer submitted claim to warranty for coverage and promised a rental if approved. \nXX/XX/XXXX XXXX denial XXXX XXXX denied all coverage. \nXX/XX/XXXX Customer Relations complaint Submitted complaint to XXXX Florida. No response received. \nXX/XX/XXXX Dealer call & recording Dealer blamed you for reporting issue earlier ; pressured for {$2000.00} to eliminate negative balance if you wanted vehicle replacement. Contradictions noted. Video captures your emotional distress and dealer pressure. Dealer admitted because you called earlier, they knew the failure was pre-existing. \nXX/XX/XXXX Dealer follow-up Offered only {$1000.00} for a {$12000.00} vehicle with pre-existing defect. Pressured to accept another vehicle with $ 900 monthly payment. Staff comments included you shouldnt have been so honest and this is bad luck, minimizing dealer responsibility. \n\n3. Dealer Communication and Behavior Multiple emails and text messages reporting noise, shuddering, andXX/XX/XXXX issues. \nRecorded call and video showing : Blame shifted to you for reporting issues. \nPressure to pay additional money for resolution. \nContradictory statements regarding warranty coverage and vehicle replacement. \nEmotional distress caused by pressure and dismissive behavior. \nDealer attempted to minimize responsibility, avoid covering pre-existing defects, and extract payment from you. \n\n\n\n4. Evidence 1. Service reports ( transmission, XXXX, XXXX, wheel noise ). \n2. Emails and text messages documenting repeated attempts to get service.\n\n3. Recording of XX/XX/XXXX, call and transcription highlighting pressure, contradictions, and blame-shifting. \n4. Video documenting emotional distress caused by dealers behavior.\n\n5. Chronology timeline from purchase to last interaction. \n\n\n\nXXXX. Legal Arguments Pre-existing defect : XXXX, XXXX, and XXXX system defective almost immediately after purchase. \nDealer negligence : Failure to provide timely and appropriate diagnosis or solution. \nBad faith and undue pressure : Dealer attempted to minimize responsibility, blamed you for reporting issues, and demanded payment under duress. \nConsumer rights violation : Lack of transparency, denial of warranty coverage, and coercion to accept unfavorable terms. \nEmotional and financial harm : Stress, XXXX, and financial vulnerability caused by dealers actions. \n\n\n\n6. Requested Resolution Primary Option ( Preferred ) Full rescission of the purchase contract.\n\nReturn of {$3000.00} down payment. \nCompensation for damages and losses caused by dealers actions, if possible. \nRelease from the vehicle and any associated debt ( most favorable outcome, given you have already paid XX/XX/XXXX for 3 months ). \nNo repair ; you no longer trust the dealer. \n\nSecondary Option Vehicle evaluated at the original purchase price. \nRemoval of extended warranty, XXXX, and other add-ons to avoid negative balance in credit history. \nFreedom to finance another vehicle without prejudice. \n\n\n\n7. Personal Statement I have no attorney and can not afford one. I am representing myself with honesty, truth, and faith. No matter how much the dealer tries to harm me, I stand by the truth. My honesty is my defense, and the dealer can not hide their misconduct. I do not want repairs because I no longer trust this dealer.","date_sent_to_company":"2025-11-23T08:47:21.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"80231","tags":null,"has_narrative":true,"complaint_id":"17830704","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Westley Auto Inc","date_received":"2025-11-23T08:27:37.000Z","state":"CO","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["No matter how much the <em>dealer</em> <em>tries</em> to harm me, I stand by the truth. My honesty is my defense, and the <em>dealer</em> can not hide their misconduct. I do not want repairs because I no longer trust this <em>dealer</em>."]},"sort":[16.698723,"17830704"]},{"_index":"complaint-public-v1","_id":"4165140","_score":16.564587,"_source":{"product":"Checking or savings account","complaint_what_happened":"I contacted Betterment a number of times over the last couple of weeks to investigate investing with them. The customer service personnel are completely inadequate for the task, unable to answer any questions aside from the very superficial info provided on their website. They gave me the runaround and in multiple calls would not connect me with anyone who had the required knowledge. This broker dealer operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask. A number of times the reps put me on hold for an extended time to try to get answers to my questions, only to come back with promises that they would follow up, with just one email response consisting of just a form letter pointing to the website without the ability to interact for required answers. The last rep told me they would charge me to speak with a more knowledgeable person there to provide information needed for me to decide whether to invest with them! This kind of outfit should be banned. As part of the poor organization strategy, the firm should be more concerned with hiring higher skilled employees that are capable of doing their job properly instead of the focus on \" diversity '' emphasized on their website. I had multiple conversations with reps on their main cust support line, XXXX, and corp number, XXXX, where their was only a recording and they never called back when I left a message.","date_sent_to_company":"2021-03-11T16:29:11.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"4165140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Betterment LLC","date_received":"2021-02-25T17:10:52.000Z","state":"CT","company_public_response":null,"sub_issue":"Confusing or missing disclosures"},"highlight":{"complaint_what_happened":["They gave me the runaround and in <em>multiple</em> <em>calls</em> would not connect me with anyone who had the required knowledge. This broker <em>dealer</em> operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask."]},"sort":[16.564587,"4165140"]},{"_index":"complaint-public-v1","_id":"2841281","_score":16.349861,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.","date_sent_to_company":"2018-03-13T14:11:51.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"60629","tags":"Servicemember","has_narrative":true,"complaint_id":"2841281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Financial Services","date_received":"2018-03-13T13:52:55.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was <em>trying</em> to trade in so the <em>dealer</em> wouldn't give me much for my trade in because the amount I owed."]},"sort":[16.349861,"2841281"]},{"_index":"complaint-public-v1","_id":"14175203","_score":15.63924,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX came from out of state to Ohio buy XXXX truck @ agreed online price of {$22000.00}. get there, bait/switch price by {$2600.00} ( {$610.00} turned out to be unlisted/unauthorized Theft warranty ). Added warranties not authorized or signed or even received. Pre-arrival Had dealer throw in XXXX ( only did XXXX of XXXX requested ), as wouldn't lower ad. price. He Agreed. XXXX used distraction techniques during signing process & was leaning arm across top of papers pointing where to sign & only going over payment amount & length & would quickly remove when signed & were talking like old friends. XXXX XXXX XXXX back trans overheats & grinding gears up down, then sticks in XXXX, pull over & leaking trans fluid. text XXXX rep as highly upset. Manage to get home, took to XXXX XXXX says XXXX Qt still overfilled & damaged gears after found chunks metal in drained fluid. Overfilling trans is what caused the breakdown & is well documented for vehicle or any trans really. left multiple emails/calls/texts w/dealer that wanted contract price fixed & warranties cancelled & wouldn't respond until XXXX & then says \" use the VSC '' I don't have any paperwork & you gave me a XX/XX/XXXX % Powertrain warranty. Says will get the {$2000.00} \" signed off '' & send me papers for warranty claim & their XXXX pt inspection, XXXX report XXXX XXXX work order, as now claiming that's what the {$610.00} was for. I hear nothing for 4 days after many messages until I file XXXX & that afternoon I get XXXX of XXXX w/forged unauthorized electronic signature on it. Reviewing it I notice it's not the same Company listed on my contract. None of them were correct, XXXX isn't even a XXXX company after investigating. XXXX the claim XXXX & they sent me ALL XXXX pgs of contract they received & NONE have my signature on them. I sent them one I had. They were shocked. I got copies from EVERY correct warranty company & NOT XXXX has my signature on it. I was able to cancel all warranties & get refunded & off my contract. XX/XX/XXXX XXXX called & denied claim as dealer gave me a XX/XX/XXXX % powertrain warranty, XXXX XXXX & that has to come XXXX as still valid. Informed dealer, no response, left messages even for XXXX, emails requesting XXXX XXXX XXXX XXXX XXXX the {$2000.00} & no response. Informed them I would file XXXX if they kept ignoring issues. XX/XX/XXXX they responded to BBB saying {$2000.00} was fair, yet NEVER produced a check or even confirmed XXXX was coming after XXXX. Wont acknowledge responsibility for their warranty. XXXX communication from dealer personally after this & I have all records, until XXXX. XXXX I received copy of Ohio title/cover page stating a 6 % sales tax was pd to Ohio & XXXX total sales price was different from my contract as I'm titling in Oregon & has no sales tax. After the \" fraud '' issue this finance person already had done I was concerned so called XXXX to see what their copy of contract had on it. They hadn't received from XXXX so requested it XXXX & on XXXX they sent me what they received ( XXXX ). I immediately called & told them it was a forgery & NOT the contract I have in my possession & signed at the dealership. I sent them that contract & XXXX pieces of evidence w/my actual signature. It is being investigated by their fraud dept. at this time. After finding this out, on XXXX sent dealer a Demand letter for {$42000.00} = {$2000.00} overcharge + {$8600.00} ( full trans repair as their tech overfilling caused it ) XXXX XXXX Treble damages for TILA, XXXX & Magnuson-Moss warranty Act violations. ONLY after that XXXX did XXXX try to call me & I wouldn't respond until heard back from Ohio XXXX as filed report w/them as well XXXX. Again responses in XXXX file from dealer I can prove are lies & not even correct info in it, I have all documentation to contradict. Again not acknowledging their warranty responsibility. Repeatedly asked in writing & text & phone messages for paperwork to file claim, the XXXX report, XXXX XXXX XXXX they said they do, flushings work order if I'm supposedly suppose to pay for it yet it's not listed anywhere. NOTHING, last XXXX response XX/XX/XXXX says \" verbally '' offered to buy truck back & pay shipping, no {$10000.00} reimbursement, or payments made or cost of trip there. I can prove this is a lie as well! XXXX was sent every piece of communication/phone logs/texts/emails/contracts & warranties etc, w/dealer & these warranty companies & lender. They kept file as I'm asking for more reimbursement so can't do much individually she said. Filed Police report XX/XX/XXXX for forgery & sent them all documents, wont put resources to it as calling it a civil matter. Dealer denied to them it is happening there, of course. This dealer was informed in mid XXXX I would pursue XXXX if they didn't honor their commitments. I believe this is why they altered the contract, ( well XXXX pgs not the others ), not realizing I was the one the XXXX was requesting a copy of contract for. Trying to cover their deceitful business practices, I XXXX XXXX  believe. XX/XX/XXXX I filed for Arbitration seeking {$75000.00} in total damages, the Demand letter amount {$42000.00} + {$32000.00} for punitive damages of Undue emotional & financial stress, Interest on CC charge, Travel to/from Ohio & XXXX XXXX XXXX committing fraud. I've hired a private forensics forgery expert as well for XXXX. I have a complete XXXX of events from day I called XX/XX/XXXX, w/documents attached ready for my XXXX case. This only let me add XXXX doc 's. The Ohio XXXX has all of this as well.","date_sent_to_company":"2025-06-19T17:56:15.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"95621","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14175203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-06-19T17:29:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["Overfilling trans is what caused the breakdown & is well documented for vehicle or any trans really. left <em>multiple</em> emails/<em>calls</em>/texts w/<em>dealer</em> that wanted contract price fixed & warranties cancelled & wouldn't respond until XXXX & then says \" use the VSC '' I don't have any paperwork & you gave me a XX/XX/XXXX % Powertrain warranty."]},"sort":[15.63924,"14175203"]},{"_index":"complaint-public-v1","_id":"6141522","_score":14.597581,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I owned a XXXX XXXX XXXX that was originally loaned through SunTrust. It became a Truist loan when Truist bought out SunTrust. The car was totaled in late XX/XX/XXXX. The car had a XXXX policy and a XXXX mile service policy. We are owed a refund on both of these policies. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL ( aka XXXX ) has sent the refunds to Truist Regional Acceptance Services ( XXXX XXXX XXXX XXXX XXXX XXXX NC ). The refunds are currently at this location. There is a GAP refund and XXXX mile service policy refund ( I have details about these checks but will not post publicly ). \n\nI have been trying to resolve this since late XXXX. I had to report Truist to the XXXX in XXXX because no one had returned any of my calls. I contacted Truist again on XX/XX/XXXX to follow up since I last reached out in XXXX. I spoke with local Truist and Customer service. I was not able to obtain any answers. I had an email for a Truist employee with Total Loss. I emailed him and he submitted a request with the XXXX XXXX Department. Neither he or I heard anything back so I called Truist again on XX/XX/XXXX. I spoke with the XXXX representatives on the customer service line and was forwarded to dealer services ( XXXX, XXXX ) .The first number does not recognize the account number, the second number is invalid. My local Truist branch ( XXXX, AL ) is unable to help. I spoke with the manager on XX/XX/XXXX. I called her again on XX/XX/XXXX and did not receive a return call. Neither the Truist banking app or website will allow me to login ( most likely because the account is paid in full ). I enter my information and it automatically logs me out on both platforms. \n\nI spoke to XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ) who could not locate the account and suggested I call the Truist dealer product cancellation department. She said Truist is the owner of this agency and that our account must be held in a different department that she could not access. I called XXXX and there was no answer. The number went to Truist general customer service who could not help. I attempted to call again and was given the option for an address book. I chose the option for an operator but one was not available. I then got the cancellations email address. I have sent emails to the Dealer Product Cancellation department and XXXX email address with no response on XX/XX/XXXX. \n\nThe amount of these checks total over {$2000.00}. The XXXX check was mailed on XX/XX/XXXX by XXXX XXXX XXXX The XXXX XXXX check was mailed on XX/XX/XXXX by XXXX XXXX  XXXX. Truist has not contacted me about either of these reimbursements despite multiple attempts by me to reach them. \n\nTruist is causing financial hardship and is using unfair and abusive practices. Additionally, the only reason I knew about these refunds was because XXXX XXXX XXXX reached out to me. Truist never contacted me. This is outside the realm of reasonableness. Truist policy is quick to report any customer for late payments, however they refuse to provide owed payments to customers in a timely manner.","date_sent_to_company":"2022-10-28T13:18:01.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"35173","tags":null,"has_narrative":true,"complaint_id":"6141522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-10-28T12:32:52.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I have sent emails to the <em>Dealer</em> Product Cancellation department and XXXX email address with no <em>response</em> on XX/XX/XXXX. \n\nThe amount of these checks total over {$2000.00}. The XXXX check was mailed on XX/XX/XXXX by XXXX XXXX XXXX The XXXX XXXX check was mailed on XX/XX/XXXX by XXXX XXXX  XXXX. Truist has not contacted me about either of these reimbursements despite <em>multiple</em> attempts by me to reach them. \n\nTruist is causing financial hardship and is using unfair and abusive practices."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[14.597581,"6141522"]},{"_index":"complaint-public-v1","_id":"1589942","_score":13.652316,"_source":{"product":"Consumer Loan","complaint_what_happened":"I am having terrible experience with Ally Financial. They are asking me to pay for damages that I am not liable for or is within acceptable wear and tear and also they have wrongfully reported negative remarks to credit bureaus. Not to mention poor customer experience and near harassing experience. \nIt all started within couple of months of me signing the lease. I had set up auto payment but within couple of months they sent me past due invoice with few cents outstanding. I called them right away to find out what happened. They said some taxes/fees had gone up after I signed the lease. But they also said instead of changing my monthly payments that was already set, I can simply pay the total outstanding payment when I return the car. Since the amount was small I decided to hold on as suggested. \nWhen I finally returned the car to a different dealer, for several days I did not hear from them. I called Ally to find the status. They said they have not received any update from the dealer. I called dealer but they said they completed paperwork same day. I called them back, that 's when they said they have received it and will get back with final statement within couple of weeks. \nIn the mean time, I received an alert from my credit monitoring service that a past due payment has been reported by Ally in the amount {$21.00}. I was shocked. At the same time, I received final statement by mail, I was even more shocked to see that they have listed XXXX damages and asked me to pay for them. \nI called them again to ask why it was reported as past due when I did not even receive final invoice and additionally it was already agreed that I will pay the small delta when I settle final invoice. I also told them I was aware of only XXXX scratch on the left rear bumper and that too was within the size of circle they said will be acceptable. I also told them the other damages I had never seen and I am sure they must have been caused during idle parking at dealer 's place when there was no action taken. They did not have any explanation and took it for additional research and said they will get back within within a week or so. \nI called them again after a week. Call got redirected to asset recovery and agent asked me how do you want to pay the outstanding balance without even asking what I am calling about. I told them I want to find status of dispute first before talking about the payment. Then the agent looked into records and said XXXX of damages has been waived but not the scratches on the rear bumper and on the front bumper. When I asked why, the agent was forcing me to believe the size of scratch was more than size of the circle as seen in the picture. I explained it was certainly not the case as I can also see the same picture. There were XXXX parallel lines of scratches, each less than the size of the circle but when you try to fit the XXXX lines in the same circle then they will go little more than the circle. I said I am aware of that but the contract clearly says size of each scratch has to be less than the circle size so why are they combining XXXX separate lines together. He said thats the final resolution. I asked what are my options to ensure the final resolution is impartial and not be same finance company. He did not provide any response to that. I googled myself to locate how to seek help in such situations where finance company claims to have final judgment and hence submitting this request to investigate and help. I paid every single payment on time, took very good care of the car. The additional payment was only few cents that the company agreed to be settled later and I am ready to pay when the invoice comes but still they reported to credit bureau. My payment history and credit rating has been XXXX If their contract said multiple lines of scratches will be viewed in combination, I would have fixed them too myself.Still I am finding it difficult","date_sent_to_company":"2015-10-02T01:35:57.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle lease","zip_code":"94582","tags":null,"has_narrative":true,"complaint_id":"1589942","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2015-10-02T01:35:57.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["They said they have not received any update from the <em>dealer</em>. I <em>called</em> <em>dealer</em> but they said they completed paperwork same day. I <em>called</em> them back, that 's when they said they have received it and will get back with final statement within couple of weeks. \nIn the mean time, I received an alert from my credit monitoring service that a past due payment has been reported by Ally in the amount {$21.00}. I was shocked."],"company_public_response":["Company chooses not to provide a public <em>response</em>"]},"sort":[13.652316,"1589942"]},{"_index":"complaint-public-v1","_id":"3423850","_score":13.144546,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX  show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. \n\nI stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. \n\nMy question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. \n\nI would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. \n\nI am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. \n\nI am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.","date_sent_to_company":"2019-11-05T20:34:12.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"75211","tags":null,"has_narrative":true,"complaint_id":"3423850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2019-10-31T15:47:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I had to <em>call</em> them <em>multiple</em> times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. \n\nI am <em>trying</em> to purchase a car and the <em>dealers</em> are stated that is keeping my score low due to the balance shown. \n\nI am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly <em>call</em> them over them promising that they will take care of it."]},"sort":[13.144546,"3423850"]},{"_index":"complaint-public-v1","_id":"5004858","_score":13.13081,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I'm trying to sell my XXXX XXXX XXXX bought on XX/XX/XXXX at the XXXX XXXX XXXX to XXXX XXXX for which they offered me {$18000.00}. The amount owed on the car By Regional Acceptance Corp. {$20000.00}. With a Extended warranty and GAP cancellation refund of {$2900.00} which would be applied to the principle bringing my amount owed to around {$17000.00} allowing me to sell the car and have the title released. I had known about being unemployed ahead of time and was just trying to sell the car to get rid of my debt. I didn't want to be late on any payments and just wanted to pay my debt off the XXXX. \n\nExtended Warranty and GAP Coverage Refund check issued by THE XXXXXXXX XXXX  XXXX for {$2900.00} to Regional Acceptance Corp. There has been XXXX checks lost and XXXX check delivered via XXXX XXXX and signed for. Third check still can't be accounted for or applied to the account. \n\nEvents ( dates are my best recollection and events are described to my best ability to remember ) XXXX XXXX, XXXX I canceled extended warranty and gap coverage at the XXXX XXXX in the amount of {$2900.00}. From my knowledge the check was sent to XXXX  around XXXX - XXXX to Regional Acceptance Corp. ATTN : Dealer Product Cancellations XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX I contacted XXXX about the check and was told no check has been found and was instructed to have the check canceled and resent. Also was instructed to have a picture of the front and back of the check as to make it easier to locate. \n\nXXXX XXXX - XXXX, XXXX I contacted XXXX a multiple times via phone to inquire about the check again. I still received the same response after several calls, multiple hang ups by regional and automated messages. \n\nXXXX XXXX - XXXX, XXXX Reached the accounts manager at the dealership. She cancelled the first check and reissued a second for the same amount and sent VIA XXXX ( no tracking ) to Regional Acceptance Corp. ATTN : Dealer Product Cancellations XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and was told give XXXX to 10 days for delivery. Also XXXX mailed me copies of the check with all account information. \n\nXX/XX/XXXX - XXXX, XXXX Waited 10 days or more and contacted regional several times, spoke with several represenitives via phone and email. The mail contact was XXXX and still has no results in the check and company was very lazy in contacting me back. Once contact via phone was established the employee suggested I send the check back a 3rd time via XXXX XXXX with signature required upon delivery and I agreed. \n\nXXXX XXXX - XXXX XXXX, XXXX Attempted to call various phone numbers of Regional Acceptance and spoke with around 5 different people about my situation and still no change. Regional Acceptance also assured me that the address of \" Payment Processing ATTN : Dealer Product Cancelation - Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX \" Was the proper address. \n\nXXXX XXXX. XXXX The account manage reissued the check for a XXXX time and had it sent via XXXX  XXXX with tracking number which was shipped on XXXX, XXXX to \" Payment Processing ATTN : Dealer Product Cancelation - Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX \". \n\nXXXX XXXX, XXXX XXXX XXXXXXXX 's website said package was delivered and check and was for by a XXXX XXXX. \n\nXXXX XXXX - XXXX, XXXX I allowed plenty of time for check to be processed and nothing reflected on my account yet so I called XXXX again at there NC XXXX. The employee on the phone was told about the situation and she took note of all my information on the check, I also sent them copies of the checks and other documentation. She then forwarded all info to her supervisor or a specific dept.to look into and have the check applied to my account. \n\nBetween 4 and 7 days later I finally received a phone call notifying me that without a picture of the back of the check nothing can be done. \n\nXXXX XXXX - XXXX, XXXX I contacted them a second time that week and told another employee of my situation and this employee told me that check should have been sent to a completely different office in another state. I think she said XXXX NY but im not 100 % sure. By that time I was utterly furious they have no recollection and have lost a 3rd check. \n\nXXXX XXXX, XXXX. Called XXXX XXXX Central time. Contacted XXXX  again and spoke with a lady, she pulled up my account and forwarded me to another office or dept. where I was on hold again for over 10 minutes until we lost connection. \n\nStill nothing has been applied to my account. No one has called me back. \nall i wanted to do is sell my car. I feel like this is a tactic being used by XXXX to keep me in the contract of the loan as long as possible to as to make as much money from the interest on the loan or until the car can be repossessed. This has been nothing but a very stressful situation for me, effected my credit im sure and put me in a losing situation. I've been trying to make this right since XXXX XXXX, XXXX ... how hard is it to give people money??? \n\nNow my call has acquired more mileage and the sale value has dropped to the point where even if the {$2900.00} is applied I will still be upside down on the car and can't sell it to XXXX XXXXXXXX. Also I have been unemployed for the last couple months and just can not afford to pay for the car anymore which XXXX has been told this countless times since XXXX.","date_sent_to_company":"2021-12-13T18:26:12.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"427XX","tags":null,"has_narrative":true,"complaint_id":"5004858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-12-13T17:09:12.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I still received the same <em>response</em> after several <em>calls</em>, <em>multiple</em> hang ups by regional and automated messages. \n\nXXXX XXXX - XXXX, XXXX Reached the accounts manager at the dealership. She cancelled the first check and reissued a second for the same amount and sent VIA XXXX ( no tracking ) to Regional Acceptance Corp. ATTN : <em>Dealer</em> Product Cancellations XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and was told give XXXX to 10 days for delivery."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[13.13081,"5004858"]},{"_index":"complaint-public-v1","_id":"3917672","_score":12.730445,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This is the letter I sent to both the dealer and Kia Financial which explains my problem. \nAttention General Manager or owner of XXXX XXXX  XX/XX/XXXX I am writing in regard to my purchase and lease turn bill from Saturday, XX/XX/XXXX. \nI would like to comment that I have been a long-time ( loyal ) customer for all our preventive maintenance needs on our XXXX Kia Sorento and our Lease from XXXX XXXX XXXX Sportage. I was also looking forward to purchasing the new XXXX remodeled Sorento next year. On Saturday, XX/XX/XXXX we test drove many cars after we were contacted by XXXXXXXX XXXX urging us, to come in and turn in our lease early and purchase or lease a new vehicle, before we came to the dealer we asked if we would be penalized on our last payment, we were told no our lease-end was XX/XX/XXXX, this would not be a problem. XXXX from Florida was our salesperson. \nAfter testing driving multiple vehicles, we decided on the XXXX XXXX. At the time XXXX  had stayed at home mandate in place due to Covid -19. No customers were allowed in the dealership. XXXX sat in the back of our vehicle and stated that our last payment would be waived if we wanted to pursue the purchase of the XXXX, he could make it happen. \nWe also want to point out that our lease turn XXXX XXXX was almost XXXX miles under its allowed terms of the lease and was in immaculate condition and was garage kept upon turn in. \nAll transactions were done on our cell phone, we spoke with finance as they picked the company with the terms we agreed to over the phone. During all this time there was no mention of KIA lease loyalty or we would be required to make the final payment on our lease. In fact, we were told to go home and wait for XXXX XXXX to clean and prep our new vehicle and they would deliver and pick up our lease later that afternoon at XXXX XXXX  hassle-free Covid safety delivery. We got our car and we were very excited. \nUnfortunately when I went to pick up our new plate and our lease plate the following Thursday Note I had to call and text if our plate was ready, XXXX didnt have any of our paperwork ready he just handed me two plates and told me I was all set. The paperwork would come in the mail. The paperwork has yet to come in fact when I got home and checked the plates XXXX gave us someone else plates from my lease turn in. I contact him immediately he did offer to come by and bring us our plate later that night. \nAs time went on, I logged into my KIA account multiple times to see that my account to showed paid in full or closed this never happen. We tried to the KIA Finance there were no live agents Mid-XXXX due to Covid only a recording. \nOn XX/XX/XXXX, we receive a letter from Kia Finance dated XX/XX/XXXX see attached. 79 days after purchasing our vehicle! We received a bill for {$810.00} Last Payment-Taxes-Turn In fee? I was in Shock Upon receiving this bill, we called Kia Finance and we were told it was our responsibility to deal with the dealer directly for the last payment being waived. \nThe agent said even though we purchased a new vehicle it did not meet the terms for a loyal customer because we were not financed through KIA motors. We want to make clear XXXX pick our financing, not us nor was the fee of {$400.00} mentioned at any time. \nLeft 5- messages with our salesman XXXX no return calls We attempted to contact XXXX XXXX talked to him once he said he would investigate it, never received a call back we left 8 more messages no return calls. \nWe left multiple messages with XXXX XXXX ; no return calls always sent to voice mail. \nLeft 3 messages with XXXX  XXXX  I finally started contacting XXXX XXXX XXXX Finally retuned my call after two emails and a two-voice mail. \nShe put us in contact with XXXX XXXX at XXXX see email his response below. \nFrom : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : ' Subject : RE : Lease bill Good afternoon, I looked into this matter of the last payment and it was not promised for us to make it. I looked at your signed WE OWE and also the signed worksheet. The disposition fee charged to you by Kia should be owed back to you from Kia motor finance. You did purchase a new Kia. I believe XXXX provided you with the phone number for Kia motor finance to get the disposition fee handled. \n\nSubject : Lease bill Importance : High XXXX, Thank you for your assistance in this matter. \n\nWe filed a Complaint about XXXX with KIA Finance on XX/XX/XXXX Spoke with XXXX ID XXXX I called again KIA Finance on XX/XX/XXXX they were waiting for a letter from me to file a formal complaint spoke to XXXX IDXXXX I was told my complaint was closed on XX/XX/XXXX? \nRegardless of the outcome. My family will never purchase another Kia or will they have any future service done on our XXXX XXXX or XXXX XXXX or any vehicle at a XXXX dealer for anything! We will drive further and pay more regardless of all our future maintenance. It's my goal to provide the truth about our experience and the lies KIA has told my family. Hope {$810.00} was worth it. \nIt's very disappointing to be treated like XXXX and not even get a call back from all the people I have contacted. I have exhausted a lot of time and effort in this matter to be blown off. \nYou have lost a Loyal customer that can only speck negative about XXXX XXXX  and KIA Finance.","date_sent_to_company":"2020-10-25T15:14:03.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"48167","tags":null,"has_narrative":true,"complaint_id":"3917672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2020-10-25T14:11:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["Left 5- messages with our salesman XXXX no return <em>calls</em> We attempted to contact XXXX XXXX talked to him once he said he would investigate it, never received a <em>call</em> back we left 8 more messages no return <em>calls</em>. \nWe left <em>multiple</em> messages with XXXX XXXX ; no return <em>calls</em> always sent to voice mail. \nLeft 3 messages with XXXX  XXXX  I finally started contacting XXXX XXXX XXXX Finally retuned my <em>call</em> after two emails and a two-voice mail."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[12.730445,"3917672"]},{"_index":"complaint-public-v1","_id":"3799961","_score":12.101932,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX : I purchased a car and used my current vehicle as a trade-in. When I attempted to turn in the title as part of the deal, I realized I never received the title. The vehicle has been paid off since XX/XX/XXXX. I called CITIZENS BANK ( the previous lienholder ) who said their 3rd party vendor, XXXX XXXX XXXX, was responsible for sending it. After being transferred to XXXX XXXX XXXX, they said CITIZENS BANK still hadn't released the electronic lien so they could not send the title. I called CITIZENS BANK again and now the CITIZENS BANK representative says they don't understand why XXXX XXXX XXXX reported that it was CITIZENS BANK 's responsibility, since XXXX XXXX XXXX is the company that sends out titles. I then call XXXX, as the car was purchased and titled in Pennsylvania. The DMV representative confirms that the electronic lien release has not been completed by CITIZENS BANK, however, they could independently verify in their system that the car was indeed mine and paid in full. The DMV representative said I had the option of completing some additional paperwork and paying an additional fee for a duplicate title, that would be completed once state offices reopened after the COVID shutdown. I did not feel it should be necessary for me to pay an additional fee for a title that I was still owed by CITIZENS BANK. So, I waited for XXXX offices to reopen so I could reengage with CITIZENS BANK once the title could actually be produced by XXXX. \n\nXX/XX/XXXX : I called CITIZENS BANK again. This time the representative says that a research department needed to get involved and complete an inquiry into what happened. I was given a turnaround time of 10 business days, and a reference number : XXXX. \n\nXX/XX/XXXX : About three weeks later, I called CITIZENS BANK since I hadn't received a response within the promised 10 business day turnaround. This time the representative says the first reference number ( XXXX ) was somehow lost and never assigned for action. I was told I would receive a response in 72 business hours and given reference number XXXX. \n\nXX/XX/XXXX : On the XXXX business day, I call CITIZENS BANK and the representative reports that the title had been mailed, although when asked they couldn't provide a tracking number. \n\nXX/XX/XXXX - After waiting about a week and a half, and still not having received the title in the mail or via any other courier service, I called CITIZENS BANK again. This time the representative says that the title was in fact, never sent, and that the prior reference number was still pending action/resolution. I was then given another reference number : XXXX. At this point, I escalated the issue to a supervisor, and was given reference number XXXX, and was told a member of the escalation team would reach out to me. \n\nDue to poor in-home cell reception, and calls received during work hours when I am unavailable via my cell phone, my only communication from CITIZENS BANK was via voicemails. On XX/XX/XXXX, I started receiving voicemails from XXXX ( phone number : XXXX ). For two weeks ( until XX/XX/XXXX ), she left messages with the same end result : the lien release hadnt been completed. I also gave her contact number to my car dealer so they could call, but it was to no avail, because neither of us could ever reach her on the phone, and any messages left were never returned. \n\nFinally, on XX/XX/XXXX, my car dealer contacts me and says without the title we dont own the car officially as part of this deal. The dealer tells me if we dont have the title for the car in a week from today, you will have to come retrieve your vehicle and repay the valuation given for your trade-in. After receiving this message, I call XXXX again, and left a voicemail relaying what I had been told by the dealer, and that she should have someone else call me first thing in the morning since she had proven ineffectual in resolving the issue to this point. That night, I also call the CITIZENS BANK customer service line ( XXXX ), and speak with XXXX, whom I ask to connect me with a supervisor. XXXX, the supervisor, is connected and about halfway through explaining my ordeal thus far, the phone is disconnected, he hangs up. I don't receive a return call. \n\nI decide that, regardless of whether I receive a return call from CITIZENS BANK on XX/XX/XXXX, I would have to make the 2-hour drive to XXXX, PA and pay the duplicate title fee of {$55.00} to XXXX to retrieve my title. I still called XXXX at XXXX on Friday, XX/XX/XXXX, multiple times but never received an answer. After receiving my title in about 10 minutes from the XXXX XXXX, I visit the nearest CITIZENS BANK branch location ( XXXX XXXX XXXX XXXX ) in downtown XXXX and speak with XXXX ( banker ) and XXXX XXXX ( manager ). After repeatedly telling me that there was nothing they could do since they dont handle CITIZENS BANK AUTO FINANCE issues in branches, they gave me the same customer service number that I had been hung up on the night before ( XXXX ). I told them I was no longer calling that number because I have been calling for months and have not had my issues resolved and the last time I called I was hung up on. I requested corporate office contact information for whichever department was responsible for electronic lien releases. Mr . XXXX  told me that \" if there was contact information for the corporate office, he didn't have it and wouldn't provide it ''. Which is utterly ridiculous, and a clear attempt to create a barrier for me to be able to contact a responsible party regarding these issues, and a way for everyone there to continue to claim a lack of accountability and responsibility for having this resolved. Finally, after I pressed the issue for a few more minutes, Mr . XXXX said the reference number XXXX had been escalated to the Office of the Chairman - which was the corporate office responsible for resolving my issue, although he still refused to provide a phone number or written documentation of the fact that it was even really escalated to that office. I was turned away and told that someone would call me. \n\nXX/XX/XXXX : On XX/XX/XXXX, I started receiving voicemails from XXXX from the Office of the Chairman of CITIZENS BANK ( phone number : XXXX ). She is now claiming that CITIZENS BANK attempted to release the lien 3 times in XXXX, and that XXXX is currently returning an error in their system when CITIZENS BANK tries to complete the electronic lien release, and that XXXX will only speak to the vehicle 's registered owner regarding this issue - so essentially CITIZENS BANK 's hands are now tied. As I stated earlier, the DMV never reported an issue with my title on any of the occasions I spoke with them or while I was in their office, and I was able to pick it up in 10 minutes. This is now a moot point as I have already suffered the inconvenience of having to drop everything and make the 4-hour round trip drive to pay for and retrieve my own title and hand deliver to the dealer. Today, as I write this, I have called XXXX twice, with no response. This is clearly part of their continued effort to not resolve this issue, since once we speak on their recorded phone lines it creates an electronic trail which serves as evidence of their negligence. \n\nAt this point, I no longer wish to speak to anyone from this sham of a business, CITIZENS BANK. I only wish to : 1. File this complaint with the responsible regulatory authorities, so that my experience is recorded, and they are held responsible. \n2. Be reimbursed for my gas for my outbound and inbound trips to XXXX, PA and for the additional cost of the duplicate title ( {$55.00} ) - unfortunately I can not get the time and energy back that I've wasted on this since XXXX. \n\nPlease let me know if additional information is required.","date_sent_to_company":"2020-08-17T17:43:55.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"3799961","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2020-08-17T17:30:39.000Z","state":"DC","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I don't receive a return <em>call</em>. \n\nI decide that, regardless of whether I receive a return <em>call</em> from CITIZENS BANK on XX/XX/XXXX, I would have to make the 2-hour drive to XXXX, PA and pay the duplicate title fee of {$55.00} to XXXX to retrieve my title. I still <em>called</em> XXXX at XXXX on Friday, XX/XX/XXXX, <em>multiple</em> times but never received an answer."]},"sort":[12.101932,"3799961"]},{"_index":"complaint-public-v1","_id":"6131576","_score":11.340526,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company : Bank of America Background : Financed a loan through dealer on XX/XX/2022 that was through BoA. Applied for refinancing for loan shortly after through XXXX XXXX XXXX XXXX. Requested 10-day payoff quote through BoA for vehicle loan on XX/XX/2022 with \" good through '' date of XX/XX/2022 at no later than XXXX. Sent the check by overnight delivery with XXXX on Saturday XX/XX/2022, and the check was marked as delivered on Monday morning XX/XX/2022. \n\nXX/XX/2022, XXXX XXXX : Outgoing call for 15 minutes on the phone with BoA requesting confirmation of check received and status of vehicle loan payoff. Representative stated that there was no record of check received. No notes on my account indicated that check had been received. I indicated I would call back at a later date. \n\nXX/XX/2022, XXXX XXXX : Outgoing call for 11 minutes on the phone with BoA requesting confirmation of check received and status of vehicle loan payoff. A different representative than the previous call again stated that there was no record of check received. Representative offered to open an investigation into the whereabouts of the check and assured me that they would let me know if/when they were able to locate the lost check and the status of my vehicle loan payoff. \n\nAfter two weeks of not hearing back and not seeing any notifications or changes to my account, I called back to determine the status of my account, as the date of first due payment had arrived and I didn't want late fees to be added to my account when I was trying to close out the loan. \n\nXX/XX/2022, XXXX XXXX : Outgoing call for 33 minutes. The BoA representative looked into my account in the same manner as the previous calls, but this time they came across a note that my check had been received and returned to the issuer of the check ( NFCU ) on XX/XX/2022. The justification for returning the check was that BoA had not received the title from the dealer and was unable to post a check without the collateral available to release as a condition of the check. I told them I understood this, but did not understand why I hadn't been notified. They didn't have a reason, but they did escalate me to a higher level for better explanation of the situation. The higher level explanation was just more repetition in explaining that they were unable to accept the check and that it was my credit union 's responsibility to notify me the check was rejected. There was never any rationale given as to why the call on XX/XX/2022 was unable to notify me of the returned check. At the suggestion of the representative, a complaint was logged with the bank at this time. \n\nXX/XX/2022, XXXX CST : Outgoing call for XXXX minutes. I notified BoA that I had contacted XXXX regarding the issue with BoA returning the check. XXXX proposed the solution of depositing the funds directly into my account so that I could close out my loan with BoA and stop accruing interest for a loan that I had tried to pay off 2+ weeks prior. At this time, I notified the representative that I did not find it fair to be required to pay the accrued interest between the time the initial payoff check had been received/returned and present, because I was able to immediately remedy the issue they had once I was aware of the problem. I had called diligently the week the check was expected to be received so as to avoid any initial problems, and I only stopped calling once I was told that an investigation would take place to discover the whereabouts of my check. She told me she would have to again escalate the matter to their Escalation Team and that they would get back to me. \n\nXX/XX/2022, XXXX CST : Incoming call for 5 minutes. I was called by a member of the escalation team notifying me that he was able to waive {$50.00} of the accrued interest to date, but that he lacked the authority to waive any more than that. I let him know that while appreciated, I did not intend to pay any of the accrued interest. ( Interest accrual was {$5.00} a day, and I had notified personnel on multiple calls that the two week period I waited for a response before getting back to them was essentially {$84.00} in interest as a direct result of BoA error. ) He said he could escalate the issue further and they would get back to me. \n\nXX/XX/2022, XXXX CST : Missed call/Voicemail left requesting that I call them back at a different number than I have previously been calling. Outgoing call for 13 minutes, and I later found that it was the XXXX, FL office I was calling. The representative I spoke with was not the one handling my case, but I caught her up and she said she would see what they could do before getting back to me. I learned on this call, as she had access to more specific logs, that the check was returned on or about XX/XX/2022 at just past XXXX EST. \n\nXX/XX/2022, XXXX CST : Incoming call for 15 minutes. In the final call with BoA, I was told that my request for waived interest following my original payoff date had been denied by Manager XXXX XXXX. The representative said that my prior calls were reviewed and the bank did not accept fault for the incident. I reminded the representative that it took me less than 48 hours to secure funding after speaking with my bank, and that would have been the original response had I been told my check had been returned when I called the bank 2+ weeks prior. He stated that he understood, but there was nothing that he could do. I requested transcripts of our interactions up to this point and was told that they could only be provided in response to a legal request. I notified him that I had no option then but to route my complaint through the CFPB, and that I would go ahead and make my payoff for the vehicle loan at that time. He stated he could give me the payoff quote current as of XX/XX/2022 and took my information for the payoff. \n\nMy issue with this series of interactions has been that it was abundantly clear the representative I spoke with as of XX/XX/2022 should have been capable of informing me of the situation. Assuming that he didn't have the information available at that time, he stated he was opening an investigation that should have been resolved very quickly given the series of events, and someone from BoA should have been able to notify me of the returned check. It is unfair that I owe interest for a time period that I was awaiting a response from BoA after I had made more than reasonable attempts to obtain the information previously. Every BoA representative I have spoke with since it was found the check was returned has acknowledged that this was done prior to my inquiry and that they understand my concern. All calls were recorded and supposedly reviewed by Manager XXXX, and yet he denies culpability on behalf of the bank.","date_sent_to_company":"2022-10-26T18:05:12.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"75605","tags":"Servicemember","has_narrative":true,"complaint_id":"6131576","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-10-26T17:09:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I let him know that while appreciated, I did not intend to pay any of the accrued interest. ( Interest accrual was {$5.00} a day, and I had notified personnel on <em>multiple</em> <em>calls</em> that the two week period I waited for a <em>response</em> before getting back to them was essentially {$84.00} in interest as a direct result of BoA error. ) He said he could escalate the issue further and they would get back to me."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[11.340526,"6131576"]},{"_index":"complaint-public-v1","_id":"4246427","_score":10.809723,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I sent the following shown below and did receive a response from Audi Financial Services. They lost check ( s ) the dealer sent to them via XXXX. They finally sent me a plate relinquish letter for my new vehicle. They refused to pay me the {$2400.00} due to them stating that their automated response said it was a XXXX XXXXr payoff amount. I told them that there were XXXX different payoff amounts and the payoff amount given to me was misleading as it doesn't tell the consumer that tax is not included in the payoff. They told me their systems aren't made for XXXX and they need to upgrade their system. I told them I will contact the appropriate parties to ensure I am reimbursed the {$2400.00}. \nIn addition, unfortunately theres only a few correspondences via email, as XXXX the woman who spoke with me who represents the XXXX office of Audi Financial Services ( AFS ) always called me via my cellphone. \n\nAny help would be greatly appreciated. \n\nKind Regards, XXXX XXXX Letter sent on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, VA XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXt of Volkswagen Group of America XXXX Inc. and head of XXXX XXXX in XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Volkswagen of America , Inc XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX : Audi Financial Services Account # XXXX VIN : XXXX XXXX : Sent via email and Certified Mail Dear XXXX XXXX, On XX/XX/XXXX I sold my vehicle to a private non-XXXX  dealership. When doing so, the amount I was given by an automated system when calling Audi Financial Services, was {$28000.00}. Mind you, I tried several different times prior to that day in order to ensure the amount being told to me was accurate. Many different times, due to the unprecedented times of the COVID-19 pandemic, I was unable to speak with someone. \nThe purchasing dealership XXXX XXXX sent XXXX different checks to Audi Financial Services in the amount of XXXX XXXX and XXXX XXXX dollars ( {$28000.00} XXXX, yet it was never received. I then tried to pay off my vehicle via my XXXX XXXX credit card, but the representative said they only accepted a check or money order. I then had XXXX XXXX send out a XXXX  check in the amount of {$28000.00} via XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( tracking # XXXX XXXX XXXX XXXX. This was sent on Wednesday, XX/XX/XXXX and was delivered on Thursday, XX/XX/XXXX and signed by XXXX XXXX at XXXX XXXX. \nLet me rewind for a moment to the time prior to me sending out the {$28000.00} check via XXXX. You see, I was told that the payoff was not in fact the {$28000.00} I was given, but {$30000.00}. This was an additional {$2400.00}. Since the buying dealership for my vehicle already sent XXXX checks for {$28000.00} and it wasnt received yet by XXXX, we were told by the representative to send the additional shortage due, to pay off the vehicle and have the title released. The buying dealership did this by sending an additional check via XXXX XXXX XXXX XXXX, in the amount of {$2400.00}, XXXX tracking # XXXX XXXX XXXX ). The address it was sent to was XXXX XXXX XXXX XXXX, XXXX XXXX, Chicago, IL XXXX. It was received on Wednesday, XX/XX/XXXX2021 at XXXX CST and signed by XXXX XXXX XXXX \nI have contacted Audi Financial Services at least XXXX XXXX XXXX XXXX different times since the checks were received, since the checks werent cashed. I had to ensure the checks were processed and attached to the proper account mentioned above. Still, today on XXXX XXXX, 2021, XXXX ( XXXX XXXX days later, the account is still showing not paid in full. After speaking to both supervisors XXXX on Friday, XXXX XXXX, 2021 and XXXX, today XX/XX/XXXX 2021, I was told they cant find the check in the amount of {$2400.00} XXXX check # XXXX XXXX. XXXX told me she wasnt sure how long this would take since its another department she needs to reach out to. Her lack of wanting to help is not what XXXX is known for and the customer service or lack thereof, is unacceptable. She asked about having me send her via fax, the front and back of the cashed check in the amount of {$2400.00}. I explained it was never cashed and XXXX needs to locate the XXXX  piece of mail and process it in a timely and professional manner. \nI explained that I am not able to register my new XXXX since my XXXX XXXX  is attached to the XXXX and XXXX will not release the relinquish plate letter, until the car is paid in full. XXXX weeks ago, I was told as a courtesy theyll waive the late fee since the payment wasnt processed and I never had a missed payment. I also was assured that my account would not be sent to collections. In reality, should I have received such late fee and/or sent to collections, I would take the appropriate steps to ensure that was rectified as it was in error due to XXXX and not cashing the several different checks sent to them. \nNow that I have mentioned all the above, I encourage you to pull all the tapes of correspondences I have had with the many different representatives with regards to my vehicle being paid off and the payoff amount being told to me and the dealership. There never was consistency and I was rarely able to speak to a live person. Legitimately I had to call back forty ( XXXX XXXX times, if not more, until I at least could be placed in the queue to speak with someone, on several different occurrences. \nI am requesting that Audi Financial Services ensure that the check in the amount of {$2400.00} is actually cashed and processed to the account. I also would appreciate a plate relinquish letter sent to me in order to register my new vehicle with my XXXX XXXX XXXX XXXX. My in-transit or temp plate expired on XX/XX/XXXX and I have an additional XXXX  days after that for my vehicle to be properly registered. I also would like to ensure that my title of my vehicle is sent in timely manner to XXXX XXXX, the purchasing dealer to my vehicle. \nFurthermore, I would like XXXX to pay me back the monies of {$2400.00} due to being misled and given multiple different quotes within the same time period, and then not being able to speak to a live individual to confirm the actual price. This was completely out of my control and no fault of my own. The automated system gave me an amount and never said there were XXXX other amounts, which included a private dealer payoff quote and an XXXX dealership payoff quote. If that is not done, I will take Audi Financial Services, XXXX XXXX XXXX and its affiliates to court, to ensure I am being treated fairly and equal. In addition to the {$2400.00} owed to me, I will also seek additional damages as appropriate including attorneys fees. \nI also will be requesting any fines, if any, that I incur after XX/XX/XXXX2021, to be paid by XXXX. This is due to XXXX not processing checks sent to them in a timely manner and not allowing me to register my new XXXX vehicle. \nYou may reach me during the day at XXXX or in the evenings at the same number. Please keep in mind that I do travel for a living and therefore should I not be able to answer your call, I will respond to you as soon as I am able to. I am also available via email at XXXX. I eagerly await your response and I appreciate you time and attention to the matters mentioned above. \n\nTheir XXXX  response : XXXX Good Afternoon, Your email contact to XXXX XXXX, XXXX XXXX and XXXX XXXX has been received. After review each has requested we ensure the proper parties are engaged towards your concern. \n\nSince our team does not have access to your personal financial account information, we have forwarded your email to the Audi Financial Services XXXX team for further handling. Please expect contact from XXXX directly regarding your email. \n\nWhile we regret the circumstances that have prompted your contact, we appreciate this opportunity to get your contact into the correct hands and provide acknowledgement of your contact. \n\n\n\nWarmest regards, XXXX XXXX XXXX Case XXXX, XXXX XXXX My Response XX/XX/XXXX : Good afternoon XXXX, I appreciate your email and I look forward to hearing from the XXXX offices of XXXX. \n\nI sent XXXX separate certified letters to XXXX, XXXX and XXXX as well, as I mentioned in the email. \n\nAgain, thank you for contacting me and I look forward to a prompt resolution. \n\nKind Regards, XXXX XXXX XXXX XXXX ) XXXX My response XXXX : XXXX, XXXX called me and told me I am in jeopardy of losing my XXXX XXXX  since XXXX still hasnt released the plate. \n\nI havent spoke to anyone from the XXXX XXXX office, either. \n\nPlease ensure this is done in a timely manner. \n\nVery truly yours, XXXX XXXX XXXX My response XX/XX/XXXX : Good afternoon, on XX/XX/XXXX I was contacted by XXXX who works in the XXXX office of XXXX. During this call she told me that there is a rigorous process when it comes to being investigated when an email is given to the XXXX office. I was told that she was going to call me yesterday XX/XX/XXXX but unfortunately I never received a phone call. \n\nToday I did leave a message for XXXX via voicemail as I do not have her email. I explained that the state of Rhode Island has been more than kind and patient and allowed me to keep my XXXX play on a vehicle that is no longer insured with the state of Rhode Island. \n\nI need my plate relinquish letter from XXXX sent to me immediately so that I can put the plate that was previously on my XXXX now on the XXXX. \n\nIt is mind-boggling to me that a company such as XXXX lost a check that was priority overnighted via XXXX  and to no fault of my own, are holding me responsible and holding my plate so that I cant get my new vehicle registered properly. \n\nI request that this is done in a timely and professional manner and the plate relinquish letter is immediately sent out. \n\nKind Regards, XXXX XXXX XXXX My response XX/XX/XXXX21 : Good morning, as an update I have been given a plate relinquish letter so that I can register my new vehicle. I still have not heard as to if the transaction between the buying dealership and my vehicle has been done. I do know that the vehicle still was not paid off as of last Friday and the XXXX for the dealership called me and told me that they didnt cash the {$2400.00} check and therefore he sent them another check. \n\nIt is mind-boggling to me that such a company like XXXX to lose a check that was XXXX XXXX  XXXX  and signed. \n\nThe last time I spoke to XXXX was XXXX weeks ago, yet I havent heard from her since, and I did leave a detailed voicemail asking for her to call me but she never did. \n\nIm still requesting the {$2400.00} be refunded to me due to lack of availability to speak to a representative and being told over the phone something different in price versus what the actual price of the payoff was. XXXX did tell me that the automated system does say that it is a different amount and the amount being given is the lease holders price to payoff the vehicle, the the third party dealer or XXXX dealer. Although I dont agree with that, the amount I was given still wouldnt equal the true amount because it doesnt include taxes for the state for where the car is registered, which is misleading. \n\nI would like to come to an amicable solution as soon as possible as this has taken long enough. \n\nI look forward to hearing from the XXXX office of Audi Financial Services in a timely and professional manner. \n\nKind Regards, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-03-26T05:46:19.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"028XX","tags":null,"has_narrative":true,"complaint_id":"4246427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2021-03-26T01:32:27.000Z","state":"RI","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["I sent the following shown below and did receive a <em>response</em> from Audi Financial Services. They lost check ( s ) the <em>dealer</em> sent to them via XXXX. They finally sent me a plate relinquish letter for my new vehicle. They refused to pay me the {$2400.00} due to them stating that their automated <em>response</em> said it was a XXXX XXXXr payoff amount."]},"sort":[10.809723,"4246427"]},{"_index":"complaint-public-v1","_id":"7281095","_score":10.60383,"_source":{"product":"Mortgage","complaint_what_happened":"I do not have an issue with exactly that! I have an issue with the finance company, was XXXX now it switched to SERVICEMAC so in XX/XX/XXXX I bought my home prior to COVID, in XXXX I lost my job due to XXXX, I did enter a forbearance plan which they helped me but I was eligible to an additional 6 months, Within that 6 months, my loan change to another department, on XX/XX/XXXX which I was advised to submit another forbearance package before the end of my forbearance which I did to XXXX and stated that in the email. I did not hear anything back for a while so I reached out on multiple dates via phone to customer service at XXXX between XX/XX/XXXX - through XXXX until I received a response as to my loan getting switched to another department so I had to upload documents again for the XXXX XXXX department to extend my forbearance that I just uploaded the the other department because they could not find my documents even though I gave them the email. XXXX XXXX finally reached out to me on XX/XX/XXXX saying they will notify me that my information has been sent to the servicing company and is being reviewed. I haven't heard anything and had to call them. I tried to upload through the portal as they told me at www.loansolutioncenter.com, I could not so we were going back and fourth since then with Loss mitigation trying to get my documents right and the correct information to extend my forbearance, so I was finally able to upload them correctly on XX/XX/XXXX. At that time I thought I was ok for the additional 6 months as they usually call if something is missing well I get served with a foreclosure statement! I was a bit confused and tried repeatedly to figure out the reason why I was in foreclosure through customer service at XXXX, I never received any information so I called and attorney XXXX XXXX and paid them XXXX to get me out of foreclosure and extend my forbearance and they took all the information I had even the foreclosure and told me not to speak with them and they put a stop to the foreclosure and everything was fine, I had to come out of pocket for that. Now XX/XX/XXXX comes around and we wake up to our house on fire which was an electrical fire, it started in my daughters room and went throughout the house very quickly! My XXXX kids almost lost their lives and we lost everything we had, I called the insurance company which I just had structural damage with and they paid the full entire loan amount which was XXXX that is sitting in lost draft! I was not explained that I could find a home to replace it with the same specs as it was just rebuild or pay an additional XXXX in fees in order to get the title to my land which is what I originally wanted! Still to this day I tried to dispute the fees through so many sources and got no results, I could not even get an itemized document that states the fees in detail so I can see what they were for! I received the run around between customer service and loss mitigation to call each other for the information then never got it and when I asked to speak to the manager, they would hang up on me! I reached out to multiple people on email about my story in hopes they would waive the fees as we were staying in hotels that all my money went to then to renting it has been so chaotic and now loosing my job due to horrible organization of this company! In the mean time I am having to find free furniture and beg for it for my kids to sleep on because we were sleeping on floors in the rent house! My therapist which I can have statements from has had to treat me for severe XXXX and I was put on more medication as I was dealing with all this and worried about my kids who did not want to see a therapist and kept it bottled up as they went through this tragic thing and watched all their belongings and home for 3 years burn down! Now I am still dealing with loss mitigation to make sure my home does not go into foreclosure as I am not sure why they did not put a freeze on my account and still was making me pay and still is since the fire! I am dealing with Customer service, loss mitigation and loss draft along with a dealer for a home and everything else with no job because the time I have is limited everyday to take care of this! I am applying at jobs but my biggest issue is I will move forward with taking legal action if these fees that don't exist anywhere on paper work except my credit report which is not ok either! I am not sure how they want to start over with me owing {$170000.00} now. That is ridiculous to me having to attach unnecessary fees and not disputing them given the situation! I have never dealt with a company like this before!","date_sent_to_company":"2023-07-20T19:57:55.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"70607","tags":null,"has_narrative":true,"complaint_id":"7281095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SERVICEMAC, LLC","date_received":"2023-07-20T19:04:36.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I haven't heard anything and had to <em>call</em> them. I <em>tried</em> to upload through the portal as they told me at www.loansolutioncenter.com, I could not so we were going back and fourth since then with Loss mitigation <em>trying</em> to get my documents right and the correct information to extend my forbearance, so I was finally able to upload them correctly on XX/XX/XXXX."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[10.60383,"7281095"]},{"_index":"complaint-public-v1","_id":"5022628","_score":10.492179,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2021 XXXX XXXX mst I received an email from the Equitable finance company in XXXX Utah which is attached that today your auto loan is 29 days past due and I needed to contact them to set up a plan so we can avoid further action. The company has disabled the car on XX/XX/2021 2 days after their 10 day grace period. We contacted them immediately to find out what is going on at that time they encouraged us to form a plan of borrowing money from our parents our friends our family anything just to get them paid we explained multiple times we don't have those options that if they would just reenable the car that I would have a job in no time but they wouldn't hear anything except \" we have your money '' like they were drug dealers or mob bookies. We have paid them XXXX as of today and loan amount is XXXX and are absolutely unwilling to work with us in any way shape or form we pay an interest rate XXXX or XXXX unsure which since they are both on the contract. Whenever we ask the company for clarification on anything on the contract they know nothing. Fast forward to XX/XX/2021 XXXX mst my daughter was on her way to work and comes inside to inform us that there is a tow truck getting our only car. When I went outside the 2 boys who were doing this began to panic and when I asked who they were neither would answer the one operating the controls looked down and would look up again and the other asked me for the key I refused and asked what he was doing and was again ignored so I went inside to call the equitable finance company I was put in touch with the asst manager who knew nothing of the repossession that was currently happening her boss which knew nothing kept being referred to refer to your contract and I have referred to the contract there is no provision that 29 days is repossession time there is nothing in the contract whatsoever to remedy such acts the contract is as basic as it gets when asked what their policy is their responses always well we're a subprime blah blah blah blah blah when pointed out that subprime is not a legal term but a banking term they become dispondent and act like they don't understand what I mean at this point the manager gets on the phone and repeats endlessly that this is a subprime loan company refer to your contract and that's the end of that I have tried for 2 months to work with them and gotten nowhere","date_sent_to_company":"2022-01-07T00:07:18.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"84067","tags":null,"has_narrative":true,"complaint_id":"5022628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Finco Holding Company LLC","date_received":"2021-12-18T05:36:25.000Z","state":"UT","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["We contacted them immediately to find out what is going on at that time they encouraged us to form a plan of borrowing money from our parents our friends our family anything just to get them paid we explained <em>multiple</em> times we don't have those options that if they would just reenable the car that I would have a job in no time but they wouldn't hear anything except \" we have your money '' like they were drug <em>dealers</em> or mob bookies."]},"sort":[10.492179,"5022628"]},{"_index":"complaint-public-v1","_id":"12654368","_score":10.045988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i had an up and coming business with my XXXX started in XXXX we rented a store and started selling, & servicing appliances. we had started as 2 and ended up having 12 employees. business was great. after our first 5 years we ended up grossing 1 XXXX dollars. plans were starting to come together in expanding our company and renting out another store front with even bigger location when my father passed away on XX/XX/XXXX. it was a very tough time but the business was still on top. the next year in XXXX we got an enormous shock. rt XXXX ( XXXX XXXXXXXX XXXX were our business was located ) was going to be reconstructed. this meant XXXX XXXX our business was located on was closing for the immediate future. the detour kept anyone from coming to my store. the service side of the company was strong but i new the sales were going to come to a stand still. hundreds of thousands of dollars in appliances were going to be collecting dust while the reconstruction was going on. i had to lay off our sales team for the immediate future. through the next three years i was struggling to keep the store open. i went to my bank for a small business loan and was shocked when i found out i was turned down for lack of credit. i always had a great credit score. purchasing several vehicles, a mortgage, and credit cards. i tried to go to the city of XXXX but got no support at all there either. they said to move the store to another location. this wasn't possible without a loan from the bank. three years with no customers and not being able to get a loan meant the end was coming. i had to lay off everyone and sold the remaining appliances lower than cost. with out a loan to keep me above water meant the end of my dreams. so instead of going bankrupt i closed the store and worked from my home by myself. i fell into a deep depression of failure, but i have a family and had to keep fighting. in or around XXXX my XXXX blew out its transmission. i went to buy a new vehicle and was turned down for no credit again. i was stuck buying a used XXXX for {$2500.00}. a few months later our family car broke down and was time to get a new one. again i was turned down for no credit. the dealer even told me your score looks like your dead. non of this made any sense to me because i always had credit cards and never missed a single payment on anything i owned. my mother in law had to purchase the vehicle for us. of course i paid it off early and never missed a payment. i was explaining my situation td bank in XXXX and they had a start up credit card where i could use my own money as a collateral for a credit card to gain credit. i was told in 6 months a can apply for normal card. six months later i was denied. i tried again a year later still no credit. i had the card for 3 years and still no credit. at this point the bank manager couldn't figure out why this kept happening. when she ran my credit at Experian again and this time it came up as being i was deceased. she told me my social security number was wrong. this was the first time i had heard about this. she ran it through trans first and XXXX and there i was. with credit and the correct social security number. i immediately tried to call Experian but they wouldn't allow me into there system with out a social security number. neither by phone or internet. i called trans first and XXXX and they both stated my social security was active. even they tried to help me to get in touch with Experian but with no luck. so i went back and printed out a complaint form that i could mail in to them. about a year and a half later and several mail letters i finally got a response. i received a phone call from Experian asking me to send them proof that i am alive. i gathered everything they asked for. my license, social security card, my passport, 2 forms of mail with my name and address and a response letter asking them to, basically make me alive again in there eyes. so i emailed everything to Experian three times. each time they stated they never received it. so finally i mailed it to them and in XXXX of XXXX i was told everything was corrected. Several years of heartache, depression and failure seemed to be finally going away. i was told that when my father passed they made a mistake and my social security was erased instead of his. so a month went by and my daughter was turning 16 and i wanted to buy her a car. well guess what same issue. i had no social security number with Experian again. again i had to make a dispute so i contacted Experian again and i was told they had fixed the issue and i was giving an Experian daily account where i receive emails of my report when anything happens. once again my mother in law had to purchase the vehicle while i made the payments. i was told by multiple bank officials and auto dealers that they rely on Experian over trans first and XXXX, that's why i keep getting denied. so a month later i went to get a car loan from XXXX XXXX XXXX in XXXX and was denied again. the bank manager told me that Experian is still denying me. she stated that my credit with XXXX and XXXX go down every time someone makes a hard inquiry on my and when its denied my credit goes down with it. even when there is a soft inquiry it hurts my score. so not only has Experian saying i have passed away but they are also hurting my credit with the other companies. that day i went and called Experian again telling them i was denied again and the person on the phone tells me \" well your problem is you have 2 social security numbers ''. i sat there to let him think about what he just said and i asked him \" how can i have 2 social security numbers? '' his response was \" yes i see your problem now let me fix it ''. so a month later i reapplied for a loan and it went through. i finally have credit through this company. i never did anything wrong to deserve what they have put me and my family through. just when i though it was finally over i get a report from Experian saying my credit has deceased. when i looked up my information from there web site it still lists a different social security number ( i think was probably my fathers though i don't know ) and it lists my mother as my spouse, it claims i have lived in over several properties, most i never heard of. it lists my name being spelled over a dozen different ways. Experian obviously doesn't care who they hurt or are affecting nor do they try to make it right. this company changed my life in so many different ways. i could never purchase a home for me and my family, we have had to live at my mother in laws my children 's entire life. i have tried to get a line of credit at my bank for years and have always been denied for my business. for years the td bank tried to help me but couldn't do to Experian. being self employed i am never going to be able to retire because of this company. i am XXXX XXXX XXXX and have to try to make a fresh start now for what they did to me when i was young. i had know idea what one person can do to your life by not paying attention to detail. Experian hired this individual and no one supervised there work or my previous 3 claims i had to make because its still wrong in there system. nearly everyday i get a report saying my credit has decreased and i have never missed or been late for any payment. my mind is shot from having to deal with this. i hope this never happens to anyone else. the financial hardship it has cost me and my family. the growing business i lost. the worthless feeling of depression from having to live this way. having to take medication to deal with it. now i have to try to build up my credit score with them all over again, if i even can.","date_sent_to_company":"2025-03-25T18:19:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"010XX","tags":null,"has_narrative":true,"complaint_id":"12654368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-25T16:29:08.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["wouldn't allow me into there system with out a social security number. neither by phone or internet. i <em>called</em> trans first and XXXX and they both stated my social security was active. even they <em>tried</em> to help me to get in touch with Experian but with no luck. so i went back and printed out a complaint form that i could mail in to them. about a year and a half later and several mail letters i finally got a <em>response</em>. i received a phone <em>call</em> from Experian asking me to send them proof that i am alive."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[10.045988,"12654368"]},{"_index":"complaint-public-v1","_id":"4103057","_score":9.46578,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX at approximately XXXX XXXX  I went to a dealership called XXXX Only located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I was interested in a XXXX XXXX XXXX XXXX  XXXX VIN # XXXX in which I was able to take a test drive and fill out a finance application. I stated to the finance manager XXXX that I have a thin credit profile but my mother who is located in New York is willing to cosign who has a strong credit history and an excellent credit score. I asked XXXX if we can run the application with {$0.00} down and that I would be willing to put money down if any issues with an approval came up and XXXX stated to me that would be fine but also stated that in order for my mother XXXX XXXX to co-sign that when it comes down to signing for the car that they would have to send the documents to a notary in New York so she could notarize the purchase agreement and then have it sent back to the dealership in XXXX XXXX in which we agreed. My mother filled out a finance application online and we both received notifications for multiple inquiries run by different auto financing companies on our credit reports. On XX/XX/XXXX I called to follow up in the afternoon about the approval and was told by an employee that there was a fraud alert and that they are working on an approval and that they will reach back out to me the next day before XXXX XXXX  with an answer. On XX/XX/XXXX I called at XXXX XXXX and was told I will get a call before XXXX XXXX. I then received a call from XXXX XXXX and he stated he is in the dealership 's finance department, he stated that they are unable to receive an approval from any bank and that there was nothing they can do to help us. My friend XXXX XXXX was on a 3-way with XXXX as I was already on the phone with him previously and he stated to him that, that there is no way any bank did not approve me and my mother for financing on this vehicle and when he asked how much money would I need down to get the car, he stated there is no bank that will approve me with any amount of money down. XXXX mentioned that is a lie as any bank will approve you with a certain amount of money down as for example that even if the car was {$100000.00} and I put {$80000.00} down as I only get approved {$20000.00} in the financing, that an approval is possible and there are inquiries on my credit report that show they attempted to get financing, XXXX also mentioned that I could file a complaint with consumer affairs and XXXX stated this conversation is done, goodbye and hung up abruptly. I live about 10 minutes away from the dealership and around XXXX XXXX  I departed to head to XXXX Only, to confront them in person about the conversation I had on the phone with their employee. I got there and waited approximately 15 minutes until I was approached by several employees and was explained that apparently, no bank will approve me and my mom without {$10000.00} down and even then he stated that wouldn't even guarantee an approval. I asked why all of a sudden I'm eligible for financing with {$10000.00} down when I was told on the phone that no amount of money down will approve me for financing. They brought me to an office in which we discussed further about the situation and I then asked for a list of banks of which apparently denied me for credit in which XXXX subsequently then put his hands on the table and stated \" we are done here '' and left the room without answering my question. They proceeded to then ask me to leave the premises as they do not want to do business with me. I asked again for the bank information and for their Dealer License # and they would not provide any information to me. I proceeded to call XXXX to get the dealer 's license number which I was able to get after they responded and their Dealer License Number is Nevada # XXXX. My friend XXXX XXXX was on facetime with me throughout the entire encounter at the dealership and after I was kicked out he proceeded to call the dealership in which he spoke to an employee who stated that apparently there were too many \" red flags '' and they chose to push me away as a customer because they did not want to deal with it. He stated to them that my mother and I were initially born in the XXXX XXXX and became US citizens in the late XXXX which may have raised one of those red flags as our social security numbers are exactly the same except for 1 number, he also stated that I looked young and they work to prevent fraud since there is so much going around lately. This is a violation of the Consumer Credit Protection Act as it states \" The Equal Credit Opportunity Act ( ECOA ) prevents lenders from discriminating against people or businesses based on non-financial factors. This is a consumer credit law that also applies to businesses as the majority of the others only apply to people. According to the ECOA, its illegal for a lender to discriminate against someone applying for credit or a loan based on the following criteria : Age, Race, Religion, Marital Status, Color, The Receiving of Public Assistance. In specific situations, lenders are allowed to ask for this information, but that information can not be used to determine whether or not it gives credit to an applicant. It also can not be used to determine the terms of those applicants who are approved. '' I was discriminated against by XXXX Only because I am XXXX which is a violation of race and because it was explicitly stated by an employee to my friend XXXX XXXX that I looked young which is a violation of age. They also committed an FTC violation for Unfair or Deceptive Acts or Practices. Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce, including banks. Commerce is defined as \" the activity of buying and selling, especially on a large scale. '' in which XXXX Only falls under that definition. It states under 15 USC 45 that \" Unfair Practices An act or practice is unfair where it causes or is likely to cause substantial injury to consumers ; can not be reasonably avoided by consumers ; and is not outweighed by countervailing benefits to consumers or to competition. '' This situation that arose caused substantial injury to me by not only putting multiple inquiries on my credit which affects me adversely in applying for future credit products but also defames my character as I was treated like I was a criminal trying to commit fraud in front of other clients at the dealership because of these \" red flags '' they stated to have noticed. They also violated The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, in which it states the Obligations of All Users of Consumer Reports which XXXX  Only falls within that category as well as they are using my Consumer Report to extend applications to banks for credit. It states on Section I ( C-2 ) \" Adverse Actions Based on Information Obtained from Third Parties Who Are Not Consumer Reporting Agencies. If a person denies ( or increases the charge for XXXX credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615 ( b ) ( 1 ) requires that the user clearly and accurately disclose to the consumer his or her right to be told the nature of the information that was relied upon if the consumer makes a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer 's written request. '' I mailed out a letter on XX/XX/XXXX requesting that information and have not received a response. My mother and I were NOT provided any information on my denial of credit and was increased a charge of {$10000.00} as a downpayment to attain credit without being furnished with any information on my approval terms a nd my right of the nature of the information that was relied upon to tell me that the banks will not approve me and my mother for financing. I will make it aware that the FCRA states \" Liability For Violations Of The FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. '' My consumer report was also obtained under false pretenses ( another violation of Federal Law ) by XXXX Only as they refused to provide financing through the banks to purchase their vehicle after retrieving my credit report and caused again damaging inquiries on my credit report that can affect me from getting financing in the future. I also filed an internal complaint on XX/XX/XXXX with XXXX directly by calling their customer support line in which I spoke to XXXX from customer service who stated he successfully filed an internal complaint that he will forward to XXXX Only but stated to me that he can not guarantee I will receive a response as dealerships tend to throw complaints like this \" under the rug ''. ( XXXX  XXXX Only is one of the credit inquires appearing on my credit report and is why the complaint is also submitted with XXXX as the inquiry is inclusive with XXXX Only and is equally responsible as an agent of XXXX  Only in terms of receiving my credit report and they refusing to provide my approval/denial terms )","date_sent_to_company":"2021-02-08T19:24:27.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"4103057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Open Dealer Exchange, LLC","date_received":"2021-01-29T17:42:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["I asked again for the bank information and for their <em>Dealer</em> License # and they would not provide any information to me. I proceeded to <em>call</em> XXXX to get the <em>dealer</em> 's license number which I was able to get after they responded and their <em>Dealer</em> License Number is Nevada # XXXX."],"company":["Open <em>Dealer</em> Exchange, LLC"]},"sort":[9.46578,"4103057"]},{"_index":"complaint-public-v1","_id":"3907935","_score":9.244803,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Consumer Finance Protection, I hope you guys are having a blessed week as for me I'm Going through a Nightmare with a terrible credit card company called comenity bank who I borrowed from to make a down-payment on my XXXX XXXX XXXX happy as can be, or at least thought so. About a month or Two later in I get a call saying we are looking for our money you owe us but I thought it was some kind of scam ( like the car insurance calls you get after you buy a car ) but the next week I started getting calls all day long. I Called the XXXX dealership to verify if this comenity bank was real and was told by my dealer to ignore them its a scam. Well they called even more as if they wanted to scare and bully me around so I called an attorney. He said they might not be scammers to give them a call to find out more. Turns out I owed them because the dealership had taken out a credit card for XXXX as the down payment which I did not realize that and didn't receive any bill as they were mailing them to the wrong address. After a handful of trying they finally got the address correct but refused to send the credit card till pay off current balance which of course I always pay off all bills that owe. I followed through and started making my monthly payments with them while they demanded that the paymentis are set to automatically draft from my account when they feel like it. While they still kept slamming hard on hitting my credit score bringing it down as well adding negative comments to my credit accouts, months later due to current circumstances and the stop of job due to coronavirus I called and asked what they could due to help and they confirmed could skip payments. Yet still force pulling money from my empty bank account and adding multiple invalid late payments to my account. Next they lowered my total credit card limit down XXXX dollars impacting my credit even harder. During the next 3 months I finally get a job at the XXXX  and continue to faithfully make payments bringing my balance ( as I called to confirm ) to around XXXX which shows on the statements received in my XXXX XXXX XXXX I called to make a payment about XXXX and noticed the bill was not matching the correct payment amount and was told would need to pay about XXXX or so more and when said ok I can do that to not occur anymore interest charges but the lady already ran my card and said would need to transfer me to collections. When I spoke to collections the guy spoke to seemed really shady and was acting completely strange as if he hardly new anything about my account and did not want to take my payment until I requested a manager. After telling him I got a job now and would like to pay this off by next 2 weeks he said \" o really \" in a suspicious manner kind of comment. I Then waited a week to find out the next bill statement suddenly went up to over XXXX dollars with the new balance showing near XXXX dollars. When I called and asked for manager they put on the phone XXXX XXXX Because refused to give his last name. When I explained the whole situation to him was told that would submit the complaint and oh it looks like there were some interest charges and a promo that ended which says on the bill ( Note : bill does not list any of the dates or months to show what any of the charges are for, only a lump sum ) and he said oh it looks like there were two charge I can take off that were mistakes. I will send you the update just call us back next week by Wednesday should be enough time to update this. Then he said would let another person know about this but you will still have to pay all these charges. \n\nbut will send this up to see what can do. I checked back a few days after was told here let me give you a few credits for your trouble and we will put this under the coronavirus case and the lady ( supervisor ) said to check back and your new balance should go down to XXXX ( which still does not resolve the issue even so called to check balance like told two days later nothing been changed nor credited, even was told it went to fees on the account ). The Next days I tried calling XXXX 's direct extension given to me. I was told he is not there and nothing has been done with my case to call ( just keep calling ) back. \nUpdate : Dear XXXX, I have a quick update for the case. Just noticed even though the billing statement reflects different, I was told last month when called to check the balance that the next due date would be 2020 XX/XX/XXXX for the about of {$75.00}. I called on the XXXX of XXXX to make a payment which now am being told is late as well it went from {$75.00} to {$90.00} to my surprise and think it's because of the increased several hundreds of dollars on the bill is reflects the higher monthly amount. I checked to see if could remove any late fees and lady said we gave you plenty of free credits your getting no more ( Amount on bill shows none given ) remember you said still try to keep current, I asked lady if could pay tomorrow ( XXXX ) She said yes will put a note in my system. I called next day and strangely a lady who answered the phone did not know where or who she is working for. I asked who is this and she hung up. I called back and another lady answered at the same time I got a another call. I asked if she could hold for a second because I am getting another inconing call and she hung up right away. I called Friday XXXX the XXXX at XXXX XXXX  was put on hold for four hours ( can send proof, I took screen capture ) then lady answers and was able to make the {$90.00} payment to keep account current. Thats the status update. I also still keeping count current and am still faithfully making my monthly payments and they still keep trying to drag the complaint out further now there response to state of Delaware and me was the complaint email words are to small. In return to the letter they mailed out to me ( and they cc 'd State of Delaware ) I did the same and printed larger ( normal ) font and mailed letter to Both parties involved over this billing dispute.","date_sent_to_company":"2020-10-20T13:49:44.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3907935","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-10-20T13:34:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["About a month or Two later in I get a <em>call</em> saying we are looking for our money you owe us but I thought it was some kind of scam ( like the car insurance <em>calls</em> you get after you buy a car ) but the next week I started getting <em>calls</em> all day long. I <em>Called</em> the XXXX dealership to verify if this comenity bank was real and was told by my <em>dealer</em> to ignore them its a scam. Well they <em>called</em> even more as if they wanted to scare and bully me around so I <em>called</em> an attorney."]},"sort":[9.244803,"3907935"]},{"_index":"complaint-public-v1","_id":"3511664","_score":8.980704,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This complaint involves issues with the termination of my lease agreement with GM Financial. The leased vehicle was a XXXX   XXXX XXXX XXXX ; it was leased for 36 months and I never missed a payment or was ever late. About 2 months before the expiration of the contract, I started reviewing the process of returning my lease and found out on GM 's website that GMs recommendation, in order to make a hassle-free return according to them, was to order a pre-inspection so I would know what to correct before returning the vehicle. Given I did not want any surprises, I requested the pre-inspection, which was supposed to be just for my information and records as to what to fix prior to returning the vehicle. As a result, however, this information was used against me when I returned the vehicle more than a month later. \n\nI must mention that this is not the first time I have leased a vehicle in general and that I am familiar with the process, however, this is certainly the first time that I have experienced a situation like this. Once I requested the inspection, GMs inspector went to my home and inspected the vehicle while I was traveling for work. The person or agent who went, requested my mothers signature in the document even when she was not present with him during the inspection. I want to clarify, my mother was home ; just not physically present during the inspection of the truck, she was simply inside and was just aware that an agent would be conducting an inspection of the leased vehicle. However, since this was supposed to be only a Pre-Inspection, she didnt think it would be a problem signing the document the agent requested. She gave him a set of keys so he could inspect the vehicle and got back inside the house. \n\nThe report concluded a missing set of keys, tires that needed to be replaced or paid at a full price ( of more than 300 dlls each ), some apparent wear and tear damage to the paint and a check engine light being on. My first thought was that it was unfair and unreasonable to try to charge the full price on the tires since I didnt lease the vehicle to not use it, but on the other hand, I didnt want any trouble while returning the vehicle, thus I simply replaced the tires before returning it. I want to state that I had the original OEM tires in storage because I replaced the tires with bigger all-terrain tires for work as soon as I got the vehicle. Therefore, the original tires that came with the truck were hardly used, if not new ; less than 1,000 miles on the stock factory tires. \n\nApproximately a month and a half later when the vehicle was due to be returned, I went to XXXX XXXX, a GM Authorized dealership in XXXX XXXX TX, to return the car. The Used Car Manager inspected the vehicle and received two sets of keys ( which I had since the beginning but the first inspector never requested the second set ), he noticed that the tires were barely used and I explained to him that they were the original OEM set from when I got the vehicle. He mentioned that everything looked fine and that they would send me the report. \n\nShortly after that, GM 's collections department started to call me to collect on the account, because according to them, I owed more than {$1600.00} dlls for all that was reported in the Pre-Inspection report. I explained to them every time they called that the report they were using was a Pre-Inspection report and that I had already resolved everything in that very same report, however, they simply ignored me and didnt care. They simply declined to conduct their own due diligence and just wanted me to pay. I requested several times to speak to a supervisor, only to be left on hold for 30 minutes to over more than an hour and after holding for that long I was simply told that there was no person with more authority that could talk to me. \n\nThis situation turned really stressful due to the calls becoming more and more often, but since I wanted to resolve the matter I always answered the calls and explained, again and again, the situation. Having to go back and forth for months discussing on the phone with GM 's reps and explaining repeatedly that I had solved the issues described in the Pre-Inspection report. Throughout the conversations with GM, I would be repeatedly transferred back and forth to different call center agents, and to the best of my knowledge, I became aware that the agents themselves had reports and notes of the past conversations that I would have with them. I will not assume if they simply refused to acknowledge my conversations or simply decided to ignore the notes, but it is factual that everything was in writing and on their end visible. While, again, I was never transferred to a supervisor or to a person with the authority to resolve the issues even when I requested it several times. \n\nDuring this long and stressful period dealing with GM, I began the compilation of information, the receipt of payment for the installation of the new set of tires, as well as photographic evidence demonstrating the original tires on the truck at the time of the return. I also found out by the manager at the GM dealer in XXXX XXXX to whom I returned the vehicle to, that the vehicle had already been sold at a local auto auction. I went and spoke to the Auction to obtain their inspection report. I provided all this information, along with 25 pictures of the vehicle over to GM. Although I submitted all this information to GM, their collectors response was always the same. \n\nFinally, after a few calls from the Manager at the Local dealer in XXXX XXXX ( I will provide you with his information ), all the information submitted, and several times on the phone, stressing my position that I had fixed the vehicle ; All this in a period of months, I was finally able to get GM Financial to recognize that the tires had been replaced as well as that they received 2 sets of keys, they stated that they were Making me the favor to drop the  charges down to roughly {$450.00}. However, during this period, my credit score became affected by their negative remarks of being past due on the account for more than 120 days. \n\nAfter discussing this matter with the credit bureaus, they had advised me to either fix the issue directly with the creditor or file a complaint. Unable to reach an agreement with GM, and due to their negligence which has impacted my credit score, further impacting my normal financial routines, job reputation and limiting my ability to borrow funds for my college education, I am now requesting your intervention. I want to make it clear that I have tried to resolve this issue with GM, exhausting all my possibilities for a course of more than 6 months, and answering all their calls even when I completely lost hope in them resolving the problem. I was not given the opportunity to speak with somebody that was not a collector, somebody with at least the intention and common sense of trying to resolve an issue, apparently, for them you are guilty unless you prove them wrong, and even after that, you are still guilty. \n\nI have received multiple collection calls for this account, and after explaining the matter to the collectors over and over, they refused to acknowledge my situation and my solutions and instead harassed me with more calls asking for payment in a very forceful manner and not understanding that this was not about the money. In a very condescending manner, they were instead offering me payment installments in exchange for me to pay, not understanding that I dont have a financial problem in paying the amount that they were asking ( as a proof, I paid a similar amount for 36 months without problem, as if was the monthly lease payment of the car ), however, I refused to pay because I didn't and still don't owe them anything. These collection calls have made it difficult for my ability to be able to move about my day, my job and my college duties, without having to spend time on the phone with these collectors and explaining to them the situation over and over. I feel under duress and harassed by the entire way GM Financial has handled this situation with complete disregard not just to the clean record of payments that I made to them over the course of the entire lease contract for three years, but for the wrongful report on which they based their collection activity against me.","date_sent_to_company":"2020-01-28T18:39:24.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"33619","tags":null,"has_narrative":true,"complaint_id":"3511664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2020-01-28T16:38:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Excess mileage, damage, or wear fees, or other problem after the lease is finished"},"highlight":{"complaint_what_happened":["I have received <em>multiple</em> collection <em>calls</em> for this account, and after explaining the matter to the collectors over and over, they refused to acknowledge my situation and my solutions and instead harassed me with more <em>calls</em> asking for payment in a very forceful manner and not understanding that this was not about the money."]},"sort":[8.980704,"3511664"]},{"_index":"complaint-public-v1","_id":"16321110","_score":8.871138,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XX/XX/year>, I co-signed on a truck financed through United Auto Credit at a dealership in XXXX XXXX, Florida. The salesman, XXXX, misrepresented both the down payment and the financing arrangement. I was told one figure for the down payment, only to learn later the actual amount and loan terms were different. The co-signer provided the down payment, but the contract did not reflect what XXXX had represented to me when I agreed to sign.\n\nThis transaction contains multiple illegalities : FTC Used Car Rule ( 16 C.F.R. Part 455 ) The dealership failed to provide the federally required FTC Buyers Guide, which must disclose whether the vehicle was sold as is or with a warranty, along with major defects. This is a direct violation of federal law.\n\nFTC Act, Section 5 ( 15 U.S.C. 45 ) The dealerships misrepresentation of the down payment and loan terms constitutes an unfair and deceptive act or practice ( UDAP ). I signed the contract under false pretenses, based on XXXX  misstatements. \n\nTruth in Lending Act ( 15 U.S.C. 1601 et seq. ) The loan paperwork did not clearly disclose the accurate down payment and true financing terms, raising serious compliance issues under TILA.\n\nFTC Holder Rule ( 16 C.F.R. Part 433 ) Any claims or defenses against the dealership can also be asserted against the lender. In this case, United Auto Credit is equally liable for the dealers fraud and can not disclaim responsibility.\n\nBeyond the dealerships violations, the borrower ( XXXX ) has defaulted and concealed the vehicle. He has proposed a coercive solution in which I pay {$10000.00} as the only supposed win-win option. As a mechanic, he may have dismantled or hidden the vehicle, leaving me with liability but no collateral. I have never once driven or possessed the truck, yet I am left with financial harm, credit damage, and a suspended license. I found the car listed for sale and asked what this was. He has sold tools for XXXX  so why not car parts. \n\nI have repeatedly tried to resolve this matter. I even reset the loan once in good faith, not realizing I had been misled. I later learned through his girlfriend that XXXX had serious substance issues and was too far gone. I spent over an hour on the phone with United Auto Credit, only to be hung up on when I disclosed I was recording the call for accuracy. Their responses have been evasive and inconsistent, providing no meaningful consumer protection. \n\nThis situation is now beyond me and entering criminal territory : fraud, abandonment of financed collateral, misrepresentation, and coercion. I have filed with DMV Enforcement and contacted law enforcement, but I am out of my league.\n\nMeanwhile, United Auto Credit has a long history of consumer complaints nationwide, including deceptive lending, abusive collection practices, and failure to address fraud. My case is not unique it reflects a larger pattern of corruption.\n\nI am urgently requesting federal and state intervention to : Investigate the dealerships violations of the FTC Used Car Rule, FTC Act, and Truth in Lending Act.\n\nHold United Auto Credit liable under the FTC Holder Rule for financing a fraudulent loan.\n\nProtect me from further financial harm, release me from liability on this loan, and correct the credit damage caused by this fraudulent transaction.\n\nI acted in good faith, believing I was helping, and instead I have been deceived and financially harmed. I need assistance.","date_sent_to_company":"2025-10-02T19:24:54.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"33405","tags":null,"has_narrative":true,"complaint_id":"16321110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United PanAm Financial Corp.","date_received":"2025-10-02T18:48:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I have repeatedly <em>tried</em> to resolve this matter. I even reset the loan once in good faith, not realizing I had been misled. I later learned through his girlfriend that XXXX had serious substance issues and was too far gone. I spent over an hour on the phone with United Auto Credit, only to be hung up on when I disclosed I was recording the <em>call</em> for accuracy. Their <em>responses</em> have been evasive and inconsistent, providing no meaningful consumer protection."]},"sort":[8.871138,"16321110"]},{"_index":"complaint-public-v1","_id":"6825205","_score":7.973661,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XX/XX/XXXX : As sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Modifications for CFPB informational purposes. \n\nKia Complaint XXXX : Kia Motor Finance XXXX XXXX XXXX XXXX Below is a timeline regarding the purchase of a XXXX Kia XXXX  with percieved contract issues. This Email is the culmination of 8 months of attempted fact finding as a result of approximately 60 calls to Kia Finance, Kia Corporate, over a hundred hours of phone time, XXXX  discussions at XXXX XXXX ( With XXXX XXXX XXXX ) XXXX XX/XX/XXXX : Purchased XXXX Kia XXXX XXXX  Line at XXXX Kia. General Manager XXXX XXXX, XXXX XXXX XXXX - Left Dealership at approximately XXXX PM. \n- Left Trade ( XXXX XXXX XXXX XXXX ) XXXX XXXX at dealership and was given a loaner XXXX XXXX as my vehical was not ready for delivery. \n\nXXXX XX/XX/XXXX : - I was in the area of XXXX Kia as I was checking on my XXXX XXXX being serviced at nearby XXXX XXXX and stopped into XXXX Kia to ask a few questions about XXXX  in general. \n- A salesman came up to me and asked if I were interested in buying a new XXXX. We talked for a bit and I explained that I had just purchased one at XXXX Kia. He asked what kind and I stated XXXX line. I told him that was not too overly familiar but, I thought that I would have preferred a XXXX or XXXX. He stated that he had a XXXX come in recently in a XXXX that I actually preferred over the vehicle at XXXX. \n- He then took me inside and introduced me to XXXX XXXX XXXX who was up behind the raised sales area with his sales XXXX and other personnel. I explained that I had already purchased a vehicle but it would have been nice if I had bought a higher model line. XXXX XXXX asked if they had delivered the vehicle. I told him that they had not as it was still being prepped. \n- He told me that I didn't have to buy the vehicle from XXXX and I could buy his upgraded XXXX. I knew both dealerships were under XXXX ownership. I agreed to purchase from XXXX under the VERY VERY expressed condition that XXXX deal with XXXX in all matters pertaining to and including ; informing them of the new transaction, picking up the trade, taking back the loaner. I was crystal clear about this condition and XXXX XXXX and his Sales Manager both agreed that they would take care of everything with XXXX. \n- Purchased a XXXX Kia XXXX XXXX XXXX from XXXX Kia Genera Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vehicle Traded XXXX XXXX XXXX XXXX XXXX miles on Odometer : Vehicle had been nearly undrivable due to smell. Vehicle issued recall. \n\nXXXX XX/XX/XXXX : Received approximately 20 calls and texts from XXXX KIA XXXX Mostly From XXXX XXXX asking when i was going to take delivery of my XXXX purchased from them. \n- I did not respond until Monday the XXXX as i was under the impression that XXXX XXXX and staff would eventually take care of the issue. \n- I suggested they contact XXXX Kia XXXX XX/XX/XXXX : Received call from XXXX XXXX that they had transferred both the vehicle and the deal back ( XXXX Kia XXXX XXXX ) to XXXX Kia and asked that I go to XXXX and sign new paperwork to purchase the vehicle. He gave me no reason and I was not too happy having to go back and sign another contract but I told him that I would go and take care of that on the XXXX. \n\nXXXX XX/XX/XXXX : Went to XXXX Kia and talked directly to the General XXXX, XXXX XXXX XXXX. He stated that the vehicle deal was now owned by their dealership but the deal would have slightly different numbers as they had certain dealership adds. \n- I then stated that I would no longer be interested in purchasing the vehicle. I told him that I was done being run all over town and people not doing what they stated what they would do. I then asked to be given my trade back. XXXX XXXX declined to give me back my trade. \n- XXXX XXXX stepped out of his office and called XXXX XXXX ( talking to him for approximately 3 minutes ) and then put me on the phone with XXXX XXXX. XXXX XXXX also declined to give back my trade. He stated that he still had an active deal in place at his dealership and that I would now have to take delivery of the car through his dealership. I went back to XXXX Kia and left the XXXX there to complete delivery work ( Window tint and other assorted items ) XXXX XXXX apologized for the run around and added some free service coupons to the deal. I did not sign a new deal or do any additional paperwork on that day. \n\nXXXX XX/XX/XXXX : Picked up my XXXX XXXX - Went into XXXX XXXX 's office and asked him to remove the Gap Insurance ( {$77000.00} ) and the Extended Warranty ( XXXX ) - XXXX XXXX stated that i should see something back on that in about 30 days XXXX XXXX XXXX Hrs : Received a call from XXXX XXXX stating that I needed come in and sign all new paperwork for the XXXX XXXX XXXX. He stated that Kia Motors had been hacked and that they had lost all of my paperwork. He stated that it in addition to myself, it had also affected XXXX  of his other customers. I told him that i would not be able to make it in for a bit as my friends brother was in the hospital XXXX of XXXX in XXXX XXXX and that I also had a sick dog and told him that i was at the Vets office as we spoke. I told him that I would be in as soon as I could to sign all new paperwork. \n* NOTE : In at least XXXX separate conversations with supervisors from KIA/Hyudai Motor Finance that my financial records had in no way been hacked. They stated that would have been a matter of significant importance and that I would have been notified immediately through multiple methods 15 XX/XX/XXXX XXXX : Called into KIA Motor Finance XXXX \n- Attempted to make a payment and set up an auto pay. Was told that there was no longer a loan on the vehicle and that it showed paid. Loan number XXXX. I was told that nothing could be done regarding the account. No payments could be made ; no auto payment could be set up. \n- I asked Kia to make notes in my account stating that i had called and attempted to make a payment and set up an auto payment. \n- Due to the call from XXXX XXXX and info from Kia Motor Finance, I immediately stopped driving the vehical until I could determine what was going on. Vehicle had XXXX miles. \n- Current mileage on auto is XXXX miles. \n\nXXXX XXXX XXXX XXXX Numerous calls made to KIA/Hyundai motor finance as to status of account. No joy ; account still showed closed XXXX XX/XX/XXXX : Letter sent from KIA Finance. \nXXXX Retail installment Contract dated XX/XX/XXXX Vehicle XXXX Kia XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congratulations! Our records reflect that your retail installment contract, referenced above is paid in full. \n\nXXXX XXXX XXXX : Went in person to talk to XXXX XXXX and XXXX XXXX XXXX. First Discussion was with XXXX XXXX : - He reiterated that Kia was hacked, hence the issues with my contract. They were not able to book the original loan ; later in the conversation he stated that they were able to re-book the original loan. \n- I asked at that time when the Gap ( XXXX ) and the extended warranty ( XXXX ) would be coming off the loan. I had gone into the dealership on XXXX XX/XX/XXXX and asked XXXX XXXX to take off the XXXX items and again on XXXX XXXX. He stated that it would come off in 4 to 6 Weeks. \n- He stated that they had \" found '' the original contract. I asked for a copy. \n- He stated that he could get in \" on the backside '' in certain circumstances make some changes. \n- He stated that internally that the dealership they made a payment on the vehicle - At that time, I did not know the whereabouts of my original documents on the thumb drive provided at the time of purchase as provided to me by XXXX XXXX - I told him that since the call from XXXX XXXX and the call to Kia that i stopped driving the car. \n- He stated that he would ask for a signed copy of the contract from Kia and Email it to me. \nXXXX. Second conversation with XXXX XXXX ( same place-same date ) - XXXX XXXX again stated that Kia had been hacked. His language this time was different. The first time he told me that Kia was hacked and all my paperwork was lost. This time he the stated that Kia went down and the information was unavailable to them. \n- He stated that they found the original loan. \n\n\nXXXX XXXX XXXX Received copy of contract via Email from XXXX XXXX XXXX PDF had Copy and Customer Copy superimposed on the document ) XXXX XX/XX/XXXX RETAIL INSTALLMENT SAME CONTRACT-SIMPLE FINANCE CHARGE ( WITH ARBITRATION PROVISION ) - By that date I had found my original thumb drive recieved on XXXX XX/XX/XXXX - Contract mailed by XXXX XXXX did not match ( PURCHASE DATE SIGNATURE ) contract on Thumb Drive - Signatures on contract mailed from XXXX XXXX does not match any on thumb drive. \n\nXXXX XX/XX/XXXX : Asked XXXX XXXX via mail if he had a copy of my complete package I received on XXXX XX/XX/XXXX - No reply XXXX XX/XX/XXXX : Per suggestion from Kia Motor Finance, I filled an official complaint against XXXX Kia with Kia XXXX - XXXX Hours : Within 30 minutes I received a call from XXXX XXXX yelling at me threatening to sue me. \n- XXXX Call from XXXX XXXX threatening to sue me for liable. \n- XXXX call from myself to Kia Corporate asking that they call XXXX XXXX and ask them to not call me until they had completed research. \n- XXXX Calls from XXXX XXXX XXXX. XXXX : Answered XXXX XXXX and we talked for XXXX Minutes. \n-I began by trying to explain my concern and lack of knowledge as to why I had XXXX contracts for my vehicle. \nXXXX XXXX STATED : It was not possible for there to be XXXX contracts. \" We did our due diligence and had cancelled the XXXX Kia XXXX contract. There is ABSOLUTELY NO WAY that we would have sent you over to another dealer with the possibility of XXXX contracts. \n-Towards the end of the conversation, XXXX XXXX XXXX me what we need to do to resolve the situation. \nA. I told him that I needed to have the dealership come and pick up the XXXX, pay off the XXXX, and give me a vehicle equal in value to my XXXX XXXX XXXX XXXX that they took in trade - XXXX XXXX stated that is something that they could do but, he would like me to mail him a copy of the contract that was sent to me by him by way of Kia and my copy of the contract that was given to me on the day of purchase. I told him that i could do that. \n\nXXXX XXXX XXXX PM : Sent an Email to XXXX XXXX asking him : XXXX. Just wanted to double check to see if we can progress XXXX. Do you ( XXXX XXXX ) have the horsepower there ( as a part of management ) to go back in time? ( Hypothetically ) XXXX. Take back XXXX XXXX, payoff loan, current mileage on XXXX is XXXX miles XXXX. Found a suitable vehical, XXXX Kia, Cost to me would be XXXX including taxes and registration. XXXX is what I owed on My XXXX XXXX XXXX time of trade. \nNO REPLY-NO MORE CONTACT WITH DEALER TO PRESENT TIME From : XXXX XX/XX/XXXX to XX/XX/XXXX there have been zero explanations as to : XXXX. Why the vehicle deal was transferred back from XXXX Kia to XXXX Kia? \nXXXX. Why did the Finance Manager state that the XXXX deal was cancelled before being transferred back? \nA. Why would the GM ( XXXX XXXX ) say that there was still a deal in place ( Via Phone call from XXXX XXXX cell to XXXX XXXX ) if the deal had been cancelled at XXXX as per XXXX XXXX? \nXXXX. Why did the GM call in XXXX and state there was a hack and all the paperwork was lost and i needed to resign it again? \nA. With \" no '' paperwork, how did the Kia get plated/Registered? \nB. With no paperwork, how did my trade get sold? \nXXXX XXXX Separate Supervisors at Kia finance stated unequivocally that there were no hacks what so ever to customers finance paperwork. \nXXXX. How and with what funds was the first contract paid off. \nXXXX. Why was a new contract started in XXXX? \nA .Why was a payment made in XXXX to a second contract and dated back to the original start date of XXXX XXXX? \nXXXX. Why in some of the Kia systems do both contracts have the same start date of XXXX XXXX but most systems show a XXXX XXXX start ( 61 days past original ) XXXX XXXX made an ineffectual effort to try and explain the all the oddities. **** Looking back in retrospect****They only feigned an attempt to explain XXXX contracts when in fact KIA FINANCIAL ENGAGED IN CONTRACT FRAUD, by never explaining the details of XXXX contracts and in fact assisted XXXX Kia in fabricating a second contract ( XXXX without my signature ) Info by Kia Finance throughout process : 1. I was told once that there were XXXX contracts because there were XXXX VIN numbers but after a recheck. Both contracts had the same VIN XXXX. I was told that I must have gone in and signed a new contract. I explained that even though I was asked to, I only signed XXXX. XXXX XX/XX/XXXX XXXX. They could not explain why so many items looked as though they were back dated. \nA. They ( STATED ) that they made an attempt to get some answers and called the business office and were told that normally they could explain why certain things were done to contracts but this one was in the exclusive arena of XXXX XXXX. Calls to XXXX XXXX from Kia Motor Finance went un-answered and no calls returned. ( SO THEY STATED ) B. After no response from XXXX XXXX to Kia Finance, Kia Finance gave me the number to Kia Consumer Affairs and suggested I file an official complaint. \nC. They also stated that I should file a police report. \na. I stated that it was not a police matter per say and that I would have to file a complaint with the Arizona State Attorney General and the Arizon Department of Transportation, Dealer Investigations. \nb. I stated that it was my preference to keep working at the lowest levels hence my conversations with XXXX XXXX, XXXX XXXX XXXX, Kia Finance and Kia Customer Service. \nTo the best of my knowledge, every call to Kia since XXXX XXXX has been recorded. I have phone records for every call dialed into and out of my phone since XX/XX/XXXX, copies of all emails, original digital paperwork, Payoff letter on contract XXXX and of course Kia Financial has their records,. \n\n\nIt is my considered opinion that the contract from XXXX Kia was indeed cancelled before I was sent back to XXXX XXXX. I believe it because that is what XXXX XXXX told me XXXX. I believe it because the original went paid and therefore disappeared ( PER KIA CORPERATE ) XXXX. I believe it because XXXX XXXX asked me to come in and sign all new paperwork. \nXXXX. I believe that I had \" NO '' valid contract at the time that I asked for my XXXX back. If that in fact is the case, then I am not the owner of XXXX. That is why I stopped driving the vehicle after my XXXX XXXX phone call to Kia Finance and it currently sits at XXXX miles. \nXXXX. If in fact there was no contract as of XXXX XXXX, then my XXXX was not legally available for the dealer to sell. \n\nXXXX XXXX I would sincerely appreciate any assistance that you can provide in explaining the happenings form XX/XX/XXXX to present and anything else that you might be able to do to rectify the situation. Kia Finance, Kia Corporate has offered 3 remedies, 1. Get it worked out with Dealer ownership. \nXXXX. Hire a lawyer XXXX. File a police complaint ; which would put a slowdown to any events from Kia Motor Finance Kia is currently showing the account ( XXXX loan which i did not sign ) Charged Off Kia Complaint : XXXX Currently Stems from the failure of XXXX XXXX to remove the charges for the GAP and Extended Warranty. \n\nSince my return from a XXXX assignment in XXXX, I have owned over XXXX cars, all for pleasure, none for profit. In that time, I have only purchased XXXX brand new vehicles, XXXX XXXX XXXX Platinum, A XXXX XXXX XXXX and XXXX all from XXXX. I have been a loyal customer to include service work. \n\nPlease feel free to contact me at any time with questions of if you would like to see any documents. I can be reached at xxx-xxx-xxxx at any time. \nIf I miss a call, it is because I am extremely hard of hearing. A text is is easier for me to see to respond. \n\nThank you. END OF MAIL AS SENT TO XXXX  XXXX IN XX/XX/XXXX ( WITH A FEW EDITS FOR CFPB COMPLAINT. \n\nXXXX XX/XX/XXXX Engaged the Services of XXXX and XXXX XXXX to assist with Kia Financial","date_sent_to_company":"2023-04-11T07:24:47.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"85338","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6825205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2023-04-11T06:17:34.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["- XXXX <em>call</em> from myself to Kia Corporate asking that they <em>call</em> XXXX XXXX and ask them to not <em>call</em> me until they had completed research. \n- XXXX <em>Calls</em> from XXXX XXXX XXXX. XXXX : Answered XXXX XXXX and we talked for XXXX Minutes. \n-I began by <em>trying</em> to explain my concern and lack of knowledge as to why I had XXXX contracts for my vehicle. \nXXXX XXXX STATED : It was not possible for there to be XXXX contracts. \" We did our due diligence and had cancelled the XXXX Kia XXXX contract."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[7.973661,"6825205"]},{"_index":"complaint-public-v1","_id":"5957719","_score":7.5804787,"_source":{"product":"Checking or savings account","complaint_what_happened":"Upon both of our parents passing, my father XX/XX/XXXX and our mother XX/XX/XXXX, we attempted to work with TCF nka Huntington Bank, for all 5 of us beneficiaries to collectively keep our respective inherited shares as Individual IRA accounts at TCF Bank  wealth management ( now referred to as Private Banking ). As a result of that decision, our administrator, XXXX XXXX, was going to provide each of us with documentation for signatures to have the agency account holdings managed by TCF as well. She explained that since we elected this course of action, that the investment officer would contact us individually to determine our investment objectives. We were all excited to have our funds invested together and all signed the documents on XX/XX/XXXX. My sister who was handling all the correspondence spoke with the administrator of the accounts on XX/XX/XXXX to discuss some of my parents other accounts and discussed a question regarding my mothers will from our attorney. You will see on the documentation provided that Huntington signed off as personal representative of the estate, as well 4 of us beneficiaries, naming my sister the sole personal representative. As of XX/XX/XXXX no individual IRA 's set up. XXXX was emailed asking for the the documentation for the agency accounts that were supposed to be set up. She stated she would review and have the documentation to us by the holidays ( attached email ). This was the last response from our XXXX until my sister went into the bank nearly five months later. XX/XX/XXXX Emailed XXXX for the status of the investment accounts and if she would prefer we speak with our investment officer, no response. XX/XX/XXXX A call was placed to the investment officer and a voicemail was left. No correspondence from anyone at the bank. In XX/XX/XXXX, we were informed by our attorney that the investment officer that was supposed to be handling our funds hadn't been employed by the bank for several months. ( my understanding is that occurred during the transition from TCF to Huntington ). The statements that were still being sent to my mother ( who passed 6 months prior ), have had 4 different investment officers since her passing. XX/XX/XXXX My sister had emailed XXXX to discuss cost basis while preparing my deceased mothers tax returns. No response was ever received. XX/XX/XXXX We decided as a family to close out our accounts since we couldn't get Huntington to follow through with setting up our accounts, we couldn't access our funds, and we couldn't even get any responses from XXXX, who should have been acting in our best interest. XX/XX/XXXX My sister went into the XXXX XXXX, MI XXXX XXXX XXXX and asked to close out the accounts. My sister was directed to the branch manager, XXXX XXXX, to close out the accounts that he could and he did provide excellent service. He called in XXXX XXXX and the two of them explained that XXXX XXXX would need to close out the IRA and Agency accounts at which time they looked at XXXX 's calendar and set up an appointment for my sister to meet her on XX/XX/XXXX. My sister met with XXXX at XXXX XXXX branch. Expressed intentions to close out both accounts. It was very clear. She understood. She said she would calculate the cost basis but it would not be in the next couple days, rather the first of the following week. I was expecting paperwork that showed our intentions and we would liquidate. At no time did she advise me to let my siblings know that they had to e-mail her with their intentions. XX/XX/XXXX My sister emailed XXXX to request packets for signatures - no response ( see attached ). XX/XX/XXXX Sister call XXXX XXXX ( because she was helpful previously ) to see if she could check on the status. She forwarded the email to XXXX from XX/XX/XXXX. XX/XX/XXXX She was very responsive and said that XXXX would be working on the cost basis over the weekend and to follow-up the next week ( see attached ). XX/XX/XXXX Another email to XXXX imploring her to get us the paperwork. She said she would have the cost basis finished up later that day and would give my sister a call ( see attached ) - no call, no email, no response. XX/XX/XXXX Another email from my sister asking that XXXX contact her - no response ( no email, no call ). XX/XX/XXXX I emailed XXXX asking her contact us and asked her a couple questions. - no response. XX/XX/XXXX My sister called XXXX because he was so professional and gave great service and he got a hold of XXXX and she said she would call me that afternoon.Unapologetically received a call and she had indicated she had about finished the cost basis. I indicated I wanted this done. I asked if this was common practice to hold a deceased taxpayers funds for nine months? I asked why we did the transfer on death when that was not occurring? I asked for an explanation and was not given one. I asked about the lost funds and she said she would check with her supervisor but would most likely not have an answer next day. It was at that point she said that she would send us an e-mail with instructions and that each beneficiary would need to e-mail back their intention. XX/XX/XXXX by XXXX XXXX  no email. @ XXXX eamil from XXXX with instructions ( see emails ). XX/XX/XXXX We were finally able to get our holdings sold. We never would have sold on one of the worst day of the market except for the fear that Huntington had already been holding our funds for 9 months without us having any access and no one contacting us. We felt we had no choice and we had requested XXXX to refund us the losses from XXXX, which are approximately $ XXXX, since that is when we requested to have the funds disbursed. XX/XX/XXXX My sister emailed XXXX regarding additional questions and received no response. XX/XX/XXXX My sister contacted her supervisor, XXXX XXXX, explained what had been occurring, he stated he was unaware and would look into it and get back with my sister. XX/XX/XXXX My sister had stated she hadn't hear back from anyone on a previous email sent on XX/XX/XXXX, so that one along with all others had been sent to XXXX, in addition she had told him how we had inquired to XXXX about the reimbursement of lost funds. XX/XX/XXXX Email from XXXX stated he had made initial calls on XX/XX/XXXX and had to make further calls today XX/XX/XXXX but should have a response to my sister on XX/XX/XXXX. XX/XX/XXXX XXXX emailed and said that XXXX had followed proper protocol and that bank policy was followed. XX/XX/XXXX My sister responded back asking multiple questions and advised of our concerns. We really questioned if it was banks policy to no set up accounts, to not follow through on emails and to not allow us access to our funds? XX/XX/XXXX - My sister and XXXX talked and he asked her for a timeline of the events as he felt that XXXX possibly didn't follow protocol. She said she would be happy to do a timeline of events but she would like a week to get it completed. XX/XX/XXXX I had emailed XXXX to find out when the funds from the IRA where going to be put into my account that I set up with another financial institution in the middle of XX/XX/XXXX. I advised that a tracking number was provided to me from the other investment company that Huntington received on XXXX @ XXXX XXXX and signed by an individual with the last name XXXX. I was told that the IRA funds could not be disbursed until all of my siblings accounts were set up, which was being worked on. I was not certain why I couldn't receive my funds and that was the only answer provided. She also included in that email that the agency funds ( those from XXXX ) distribution was being cut that day and would be shipped overnight via XXXX. Those funds did arrive the next day. XX/XX/XXXX My sister sent a very detailed guideline ( much of what I have followed ) included all emails, paperwork and documents. XX/XX/XXXX XXXX acknowledged my sisters email and said he wouldn't be able to really devote the time until tomorrow and over the weekend but would connect with her to give her a status update. XX/XX/XXXX XXXX emailed my sister to state the following : I have a follow up meeting scheduled late next Monday afternoon to talk further about your request with our fiduciary team. I appreciate you sending me the additional information and I will update you again next week. XX/XX/XXXX my sister wrote him back thanking him. XX/XX/XXXX My sister emailed the following to XXXX ; Hope you are doing well. I understand these things take time, but just wanted to let you know that I havent heard anything yet from the XXXX XXXX. XX/XX/XXXX My sister emailed XXXX and XXXX the following : Hi XXXX and XXXX, Can one of you please let us know the status of our reimbursement request? XX/XX/XXXX XXXX responded the following ; Huntington was XXXX on your mothers Transfer on XXXX XXXX account, meaning after your mothers passing Huntington takes direction from the beneficiaries on the account. Direction from all beneficiaries to sell out of holdings occurred on Friday, XX/XX/XXXX, after the market close. Trades were placed on the next trading day, Monday, XX/XX/XXXX. Huntington acted as soon as possible after receiving direction and is not responsible for any change in value of the account, whether positive or negative, that preceded the receipt of direction from you all. XX/XX/XXXX I responded to XXXX the following : Hello XXXX, I sent an email last week with a few questions but after reviewing your email I have additional concerns I want answered.First, my name is XXXX. In addition to my sister XXXX XXXX, are my sisters XXXX XXXX, XXXX, and my brother, XXXX. I would appreciate you address us by name and not categorize us as et al. My concern is that you don't recognize us as individuals.I expect the following questions to be answered : If Huntington was supposed to be acting on the direction of all beneficiaries then why were our original accounts not set up as directed by all of us on XX/XX/XXXX? Why did no one from Huntington contact us regarding what risk tolerance we wanted set up on our investments? Certainly, someone in their XXXX or XXXX is going to invest quite differently than someone in their XXXX. Once again that was requested by all of us on XX/XX/XXXX, at which time, Huntington, who was supposed to be acting on our direction, should have completed. \nI would also like to know how we were supposed to be able to access our funds? Multiple attempts on our part went unanswered by Huntington. \nThis is one question that is really concerning to me and that is why Huntington decided to not allow us access to our funds for 8 months? \nWhy were we never provided with any disclosures, such as the CRS Relationship Summary, Customer Agreement, Brokerage Disclosures, Terms & Conditions, Schedule of Fees, Privacy Notice, and the Right to Opt Out, to name a few. \nWhy were we each of us not provided with a copy of the investment statement monthly, or at least quarterly? Since the account is now that of the beneficiaries, it would seem as though you should have been providing one to each of us. \nI would also like to request a breakdown of how any and all fees were applied since my mother 's passing on XX/XX/XXXX. Including any trades or transactions in which we paid fees. I would like responses to these questions and a resolution by Friday, XX/XX/XXXX. Please be certain to cc all of my siblings. If no response is received I will be contacting the SEC, FINRA, XXXX XXXX XXXX, as well as the NASAA State Regulator. Could you please confirm if your XXXX # XXXX is accurate? I would also like a phone number that our attorney can contact since all of this is time sensitive. \nXX/XX/XXXX Response from XXXX : XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, Let me start with an apology. I am sorry if I offended you with the salutation used in my last email. No offense was intended. Distribution checks are being sent today via XXXX  to the institutions each of you provided, and made payable as each of you has instructed. \n( This section contains dollar amounts of our distributions and each of our XXXX  tracking # 's. ) Copies of past monthly statements will be provided and will show fees and charges since XX/XX/XXXX. XXXX XXXX and/or her Service Specialist XXXX XXXX will be providing those next week.The CRD # you listed WAS my CRD # when I was a Registered Representative earlier in my career and affiliated with a broker/dealer. However, it is no longer applicable as my current position within the XXXX  does not require securities licensing so I closed them out years ago.XXXX  XXXX, XXXX XXXX XXXX, who is copied on this email, is available as a contact for your attorney. Her phone is XXXX. I emailed XXXX XX/XX/XXXX ; Hello Brad, Thank you for the follow up. We will watch for those funds to be delivered to our respective accounts. I find it unfortunate that you didn't answer many of my additional questions. I appreciate you providing XXXX 's information. \nI will attach copies of all the emails. I find it very disturbing that transactions and correspondences weren't followed through and caused us to lose money without Huntington taking any responsibility. I begin to question how many other people Huntington did this to as well. Initially, it was during a merger which makes me wonder if they were trying to pad their books and increase their portfolio. Then naturally they are going to want to have a good first quarter earnings so is that why we still couldn't have access to our funds? Was it only in XXXX when interest rates were going up and the market wasn't doing well that they were willing to part with our funds. It would be an easy way to say that is why their portfolio possibly decreased. I also question the fact of fees we were charged, yet nothing was being done with our accounts. And honestly, what kind of bank holds onto your funds from XX/XX/XXXX with multiple requests until the middle of XXXX. We never should have been denied any access to our funds and we were and it wasn't based on a lack of trying. I also, truly wonder what kind of bank doesn't give you any disclosures, where it be the arbitration agreement, account set up, fee disclosures, etc.. Huntington needs to be held responsible. This has taken a terrible strain on all of us and my parents set it up so it wouldn't be such a hassle. Huntington has created a headache, a hassle and so much stress and anxiety. I would like to know if you can please help us out and look into this further. I appreciate any and all help. If there is any other area that I should contact please advise.","date_sent_to_company":"2022-09-08T01:21:25.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"49006","tags":null,"has_narrative":true,"complaint_id":"5957719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2022-09-08T01:03:39.000Z","state":"MI","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["She said she would have the cost basis finished up later that day and would give my sister a <em>call</em> ( see attached ) - no <em>call</em>, no email, no <em>response</em>. XX/XX/XXXX Another email from my sister asking that XXXX contact her - no <em>response</em> ( no email, no <em>call</em> ). XX/XX/XXXX I emailed XXXX asking her contact us and asked her a couple questions. - no <em>response</em>."]},"sort":[7.5804787,"5957719"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":35,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":35}]}},"product":{"doc_count":35,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan or lease","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":18},{"key":"Lease","doc_count":3}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other banking product or service","doc_count":2}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle lease","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":35,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing the loan or lease","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":2},{"key":"Problem with fees charged","doc_count":2},{"key":"Problem with the interest rate","doc_count":2}]}},{"key":"Problems at the end of the loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":4},{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":1},{"key":"Termination fees or other problem when ending the lease early","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Credit denial","doc_count":1},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":2},{"key":"Account status incorrect","doc_count":1},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Opening an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or missing disclosures","doc_count":1},{"key":"Unable to open an account","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":35,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":34},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":35,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":28},{"key":"Closed with non-monetary relief","doc_count":5},{"key":"Closed with monetary relief","doc_count":1},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":35,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":35}]}},"company":{"doc_count":35,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":3},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":3},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":1},{"key":"AUTOMOTIVE CREDIT CORPORATION","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"Betterment LLC","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Consumer Financial Services","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Finco Holding Company LLC","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":1},{"key":"Open Dealer Exchange, LLC","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SERVICEMAC, LLC","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1},{"key":"VW Credit","doc_count":1},{"key":"Westley Auto Inc","doc_count":1}]}},"state":{"doc_count":35,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":9},{"key":"CA","doc_count":4},{"key":"MI","doc_count":4},{"key":"TX","doc_count":4},{"key":"LA","doc_count":2},{"key":"RI","doc_count":2},{"key":"AL","doc_count":1},{"key":"AZ","doc_count":1},{"key":"CO","doc_count":1},{"key":"CT","doc_count":1},{"key":"DC","doc_count":1},{"key":"GA","doc_count":1},{"key":"IL","doc_count":1},{"key":"KY","doc_count":1},{"key":"MA","doc_count":1},{"key":"UT","doc_count":1}]}},"company_public_response":{"doc_count":35,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":14},{"key":"Company chooses not to provide a public response","doc_count":1},{"key":"Company disputes the facts presented in the complaint","doc_count":1}]}},"tags":{"doc_count":35,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":6},{"key":"Older American, Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[7.5804787,"5957719"]}}}