{"took":391,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":451,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10055395","_score":21.903515,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I believe that the terms and conditions of the loan were not properly disclosed to me, as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Specifically, I have identified several violations and omissions that invalidate the loan agreement under this federal law : Lack of Full Disclosure of Installment Loan Agreement I did not receive a complete copy of the installment loan agreement at the time of signing. TILA requires that creditors provide borrowers with clear and detailed information regarding the loan terms, including the amount financed, the payment schedule, and the total cost of the loan. I did not receive adequate documentation of these key terms, which constitutes a violation of TILA 's disclosure requirements.\n\nFailure to Provide Notice of Security Interest There was no clear disclosure or explanation that a security interest would be placed on the vehicle as part of the loan agreement. Under TILA, creditors are required to inform borrowers if a security interest is being taken on collateral, in this case, my vehicle, in exchange for the loan. Without this disclosure, the creditor has failed to comply with the legal requirement to fully inform me of my rights and obligations under the loan. \n\nUndisclosed Lien on Vehicle I was not informed of any lien placed on my vehicle at the time the loan was extended. The Truth in Lending Act mandates that creditors disclose any liens or encumbrances that will be attached to the collateral in the transaction. The failure to disclose the lien renders the agreement incomplete and noncompliant with TILA regulations.\n\nLack of Disclosure of Finance Charges The finance charge for this loan was not properly disclosed at the time of the agreement. Under TILA, the finance charge, including the total cost of interest and any other fees associated with the loan, must be clearly communicated to the borrower before the loan agreement is signed. The omission of this essential information violates my rights as a consumer under federal law.","date_sent_to_company":"2024-09-08T21:45:28.000Z","issue":"Improper use of your report","sub_product":"Loan","zip_code":"395XX","tags":null,"has_narrative":true,"complaint_id":"10055395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-09-08T20:55:53.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to Provide Notice of <em>Security</em> Interest There was no clear <em>disclosure</em> or explanation that a <em>security</em> interest would be placed on the <em>vehicle</em> as part of the <em>loan</em> agreement. Under TILA, creditors are required to inform borrowers if a <em>security</em> interest is being taken on collateral, in this case, my <em>vehicle</em>, in exchange for the <em>loan</em>. Without this <em>disclosure</em>, the creditor has failed to comply with the legal requirement to fully inform me of my rights and obligations under the <em>loan</em>."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[21.903515,"10055395"]},{"_index":"complaint-public-v1","_id":"9725493","_score":21.873178,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau/Federal Trade Commission , I am writing to formally file a complaint against Navy Federal Credit Union regarding their failure to provide me with signed copies of the auto loan promissory note, security agreement, and disclosure agreements for my vehicle loan, and their subsequent refusal to release the title of my vehicle. \n\nBackground : Loan Details : Auto Loan Lender : Navy Federal Credit Union Loan Account Number : XXXX Vehicle Details : XXXX XXXX XXXX XXXX Purchase Date : XX/XX/XXXX Loan Amount : {$60000.00} Issues : XXXX. Lack of Signed Documents : Navy Federal has acknowledged in writing that they do not have signed copies of the promissory note, security agreement, and disclosure agreements. This omission violates both Georgia state law and federal lending regulations, which require lenders to maintain and provide these documents to borrowers. \nXXXX. Proposed Loan Transfer : In written communication dated XX/XX/XXXX, Navy Federal informed me that due to the absence of signatures on file, the auto loan would be transferred to a consumer loan. This action further underscores the fact that the original loan agreement was not validly executed, raising significant concerns regarding the legality of their claim to the vehicle and the title. \nXXXX. Title Withholding : Despite the lack of a legally enforceable agreement, Navy Federal continues to hold the title of my vehicle, thereby restricting my rights as the vehicle owner. This action is in direct violation of Georgias Uniform Commercial Code, which necessitates a perfected security interest through a signed agreement. \nXXXX. Failure to Meet Disclosure Requirements : Navy Federal has failed to comply with required disclosure obligations under federal law, further invalidating the loan agreement and hindering my ability to make informed decisions regarding my financial obligations. \n\nLegal Grounds : Under Georgia state law and the Uniform Commercial Code ( UCC ), Navy Federals lack of signed documentation results in an unperfected security interest. This absence of a binding agreement should nullify their claim to the vehicle title.","date_sent_to_company":"2024-08-06T08:25:17.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"9725493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-08-06T08:10:11.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau/Federal Trade Commission , I am writing to formally file a complaint against Navy Federal Credit Union regarding their failure to provide me with signed copies of the auto <em>loan</em> promissory note, <em>security</em> agreement, and <em>disclosure</em> agreements for my <em>vehicle</em> <em>loan</em>, and their subsequent refusal to release the title of my <em>vehicle</em>."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Problems at the end of the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Unable to receive car title or other problem after the <em>loan</em> is paid off"]},"sort":[21.873178,"9725493"]},{"_index":"complaint-public-v1","_id":"1307593","_score":19.163393,"_source":{"product":"Consumer Loan","complaint_what_happened":"I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan. \nThe CD for {$5500.00} was not to collateralize the loan. I have the executed \" Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.","date_sent_to_company":"2015-04-03T15:53:10.000Z","issue":"Taking out the loan or lease","sub_product":"Installment loan","zip_code":"30038","tags":"Older American","has_narrative":true,"complaint_id":"1307593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2015-03-30T21:01:12.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire <em>loan</em> period of 48 months or until I paid off the <em>loan</em>. \nThe CD for {$5500.00} was not to collateralize the <em>loan</em>. I have the executed \" Note, <em>Disclosure</em>, and <em>Security</em> Agreement '' that shows that the <em>vehicle</em> only was to secure/collateralize the <em>loan</em>."],"product":["Consumer <em>Loan</em>"],"issue":["Taking out the <em>loan</em> or lease"],"sub_product":["Installment <em>loan</em>"]},"sort":[19.163393,"1307593"]},{"_index":"complaint-public-v1","_id":"7197996","_score":18.486729,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, 2023, ONE MAIN FINANCIAL claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, ONE MAIN FINANCIAL informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The ONE MAIN FINANCIAL affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. \n\nMoreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize ONE MAIN FINANCIAL to share my personal information with any third party based on false pretenses. \n\nONE MAIN FINANCIAL has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report.\n\nFurthermore, ONE MAIN FINANCIAL violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan.\n\nAdditionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX XXXX  and XXXX  are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX  has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.","date_sent_to_company":"2023-07-04T01:57:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"7197996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2023-07-04T00:37:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subsequently, ONE MAIN FINANCIAL informed me that in order to qualify for the <em>loan</em> I was pre-approved for, I would have to use my personal <em>vehicle</em> as collateral. During the pre-approval process, I was never informed that my personal <em>vehicle</em> would be required as collateral for the <em>loan</em>. The ONE MAIN FINANCIAL affiliate or representative agent explicitly stated that the <em>loan</em> would be based solely on my job and income."]},"sort":[18.486729,"7197996"]},{"_index":"complaint-public-v1","_id":"7204262","_score":18.484642,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXX XXXX XXXX claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXXXXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXXXXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXXXXXX XXXX XXXX to share my personal information with any third party based on false pretenses. XXXX XXXX  XXXX  has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. Furthermore, XXXX XXXX XXXX violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, Equifax, and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.","date_sent_to_company":"2023-07-04T17:21:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"7204262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-04T17:13:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Moreover, since I was not provided with full <em>disclosure</em> regarding the use of my personal <em>vehicle</em> as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my <em>vehicle</em> as <em>security</em> for any debt. Due to their deceptive practice, I did not authorize XXXXXXXX XXXX XXXX to share my personal information with any third party based on false pretenses."]},"sort":[18.484642,"7204262"]},{"_index":"complaint-public-v1","_id":"7198380","_score":18.475185,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXXXXXX XXXX XXXX  claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. \n\nMoreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX  to share my personal information with any third party based on false pretenses. \n\nXXXXXXXX XXXX XXXX has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. \n\nFurthermore, XXXX XXXX XXXX  violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. \n\nAdditionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as TransUnion, XXXX, and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. TransUnion has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.","date_sent_to_company":"2023-07-04T01:57:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"7198380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-04T01:57:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Moreover, since I was not provided with full <em>disclosure</em> regarding the use of my personal <em>vehicle</em> as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my <em>vehicle</em> as <em>security</em> for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX  to share my personal information with any third party based on false pretenses."]},"sort":[18.475185,"7198380"]},{"_index":"complaint-public-v1","_id":"7198379","_score":18.475185,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXX XXXX XXXX  claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. \n\nMoreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX to share my personal information with any third party based on false pretenses. \n\nXXXX XXXX XXXX has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. \n\nFurthermore, XXXXXXXX XXXX XXXX  violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. \n\nAdditionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, XXXX, and Experian are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.","date_sent_to_company":"2023-07-04T01:57:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"7198379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-04T01:57:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Moreover, since I was not provided with full <em>disclosure</em> regarding the use of my personal <em>vehicle</em> as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my <em>vehicle</em> as <em>security</em> for any debt. Due to their deceptive practice, I did not authorize XXXX XXXX XXXX to share my personal information with any third party based on false pretenses."]},"sort":[18.475185,"7198379"]},{"_index":"complaint-public-v1","_id":"2474199","_score":18.228985,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions.     Recovery company number which suntrust had call me  XXXX  (  XXXX  )  XXXX","date_sent_to_company":"2017-05-03T16:48:28.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"75052","tags":"Servicemember","has_narrative":true,"complaint_id":"2474199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2017-05-03T16:20:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["I have contacted suntrust by mail asking for verification that <em>loan</em> still exist, and ask for full <em>disclosure</em> of said <em>loan</em> such as the <em>securities</em> created from the <em>loan</em> and information on the bank legal ability to <em>loan</em> money. Along with copies of all records they have on <em>loan</em> ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup <em>vehicle</em>. Which I understand that after asked for this information they were to contact me in writing."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Fraudulent <em>loan</em>"]},"sort":[18.228985,"2474199"]},{"_index":"complaint-public-v1","_id":"8416321","_score":18.145353,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"TitleMax hired XXXX XXXX XXXX to repossess Consumer 's vehicle. Consumer has not received any correspondence from TitleMax, although Consumer opted in to receiving email, text and phone communications. Consumer has not received any loan documents, notices to repossess, advice of Consumer 's rights nor the process of redemption as pursuant to Federal and State Law. TitleMax has Consumer 's correct mailing address, but never made any attempt to contact Consumer in regards to the account. Mailing address on file is XXXX XXXX XXXX XXXX GA XXXX. If TitleMax sells the vehicle without giving proper notice they can be held liable for damages. There is also a Surety Bond on the Title which TitleMax is aware of. This Surety Bond covers insurance, accidents and any default payments. Consumer was not able to access documents and disclosures as promised through the portal or the website because the documents would not download. Loan number was not provided not available in the portal so Consumer has provided their social security number with this complaint. Consumer has reason to believe TitleMax has been trading the Consumer 's asset backed security ( Certificate of XXXX ) on the secondary market. This is securities fraud, as the Consumer never received disclosure of securitization nor their share. I am the Authorized Agent and Beneficiary of XXXX XXXX XXXX XXXX. As an Investor, if you can not resolve this matter, I will be forced to submit an Investor Complaint to the Securities & Exchange Commission as well IRS FORM 211 to request an audit of the account. Reference Vin No. XXXX. Unfortunately, the only document Consumer received was a Denial Letter that has been attached to this complaint.","date_sent_to_company":"2024-02-26T05:01:54.000Z","issue":"Vehicle was repossessed or sold the vehicle","sub_product":"Title loan","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"8416321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2024-02-26T03:40:21.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Loan</em> number was not provided not available in the portal so Consumer has provided their social <em>security</em> number with this complaint. Consumer has reason to believe TitleMax has been trading the Consumer 's asset backed <em>security</em> ( Certificate of XXXX ) on the secondary market. This is <em>securities</em> fraud, as the Consumer never received <em>disclosure</em> of securitization nor their share. I am the Authorized Agent and Beneficiary of XXXX XXXX XXXX XXXX."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"issue":["<em>Vehicle</em> was repossessed or sold the <em>vehicle</em>"],"sub_product":["Title <em>loan</em>"]},"sort":[18.145353,"8416321"]},{"_index":"complaint-public-v1","_id":"11007310","_score":18.093338,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Westlake Financial regarding its egregious disregard for federal and commercial laws, specifically concerning the Securities Exchange Act of XXXX, the Sarbanes-Oxley Act of XXXX, and Part 207 Disclosure and Reporting of CRA-Related Agreements ( Regulation G ). These violations have caused significant harm, both financially and personally, and have left me with no viable recourse to address their wrongful actions. \n\nBackground : On XX/XX/XXXX, I initiated communication with Westlake Financial to address issues related to the security I furnished as collateral for a vehicle loan. Despite this outreach, Westlake Financial failed to provide the necessary disclosures or comply with relevant laws. \n\nSubsequent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, reiterated my concerns and sought resolution regarding their improper handling of the loan obligation. Despite multiple attempts to resolve the matter, Westlake Financial repossessed my vehicle and continues to attempt collection on a debt that has already been discharged through bankruptcy proceedings.\n\nMoreover, at no point did Westlake Financial provide an opportunity for reinstatement, in direct violation of federal laws protecting consumer rights in such circumstances.\n\nViolations : Securities Exchange Act of XXXX Westlake Financial failed to comply with key provisions of this Act, including transparency requirements and accurate disclosures. Their lack of adherence to reporting obligations has deprived me of the ability to make informed decisions regarding my loan obligations. \n\nSarbanes-Oxley Act of XXXX Westlake Financials ' actions demonstrate a complete disregard for the financial accountability and transparency requirements mandated by this Act. The failure to maintain accurate records and provide clear documentation undermines the purpose of the Sarbanes-Oxley Act and violates consumer protections. \n\nPart 207 Disclosure and Reporting of CRA-Related Agreements ( Regulation G ) As required by Regulation G, Westlake Financial must disclose CRA-related agreements and provide transparent reporting. Their failure to do so in this case is a clear violation of their obligations under federal law. \n\nCurrent Issues : The repossession of my vehicle without due process and without adherence to federal requirements. \nContinued collection attempts on a discharged obligation, which violates bankruptcy discharge laws and consumer protection statutes. \nRefusal to provide an opportunity for reinstatement, further compounding the harm caused by their illegal actions.","date_sent_to_company":"2024-12-03T03:05:19.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"11007310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-12-03T02:00:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Background : On XX/XX/XXXX, I initiated communication with Westlake Financial to address issues related to the <em>security</em> I furnished as collateral for a <em>vehicle</em> <em>loan</em>. Despite this outreach, Westlake Financial failed to provide the necessary <em>disclosures</em> or comply with relevant laws. \n\nSubsequent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, reiterated my concerns and sought resolution regarding their improper handling of the <em>loan</em> obligation."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[18.093338,"11007310"]},{"_index":"complaint-public-v1","_id":"5921841","_score":17.971869,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Pursuant to provisions of the Truth and Lending Act ( \" TILA '' ) 15 U.S.C. 1605 and 12 C.F.R. 226.15 I hereby rescind XXXX XXXX XXXX XXXX XXXX auto loan, due to violations of TILA, including but not limited to the unlawful failure to give proper notices required under TILA, and fraud. The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. Premiums or other charges for any guarantee insurance. \nWithin 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. Pursuant to 15 U.S.C. 1605 my right to rescind this car loan is a result of this defective Truth in Lending disclosure statement, and fraud. Please be advised that my security interest on my vehicle is now void per 15 U.S.C. 1605 and 12 C.F.R. 226.15. Return all payments I have made on this car loan and do your part to terminate the security interest on my vehicle. Thank You","date_sent_to_company":"2022-08-26T05:00:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30038","tags":null,"has_narrative":true,"complaint_id":"5921841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-08-26T04:30:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please be advised that my <em>security</em> interest on my <em>vehicle</em> is now void per 15 U.S.C. 1605 and 12 C.F.R. 226.15. Return all payments I have made on this car <em>loan</em> and do your part to terminate the <em>security</em> interest on my <em>vehicle</em>. Thank You"]},"sort":[17.971869,"5921841"]},{"_index":"complaint-public-v1","_id":"16400866","_score":17.581882,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XX/XX/XXXX, I corresponded with XXXX XXXX, owner of XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  to purchase a XXXX XXXX XXXX. He represented the vehicle as like new with no mechanical defects. I provided my personal information ( drivers license, Social Security number, income docs ) so he could submit a financing application to Westlake Financial. \n\nWithout my knowledge or consent, XXXX XXXX executed the loan documents in my name, though I never signed or saw any contract or disclosures. Westlake funded the loan and transferred funds directly to the dealer. When I learned the loan existed, I contacted Westlake ; they confirmed the account but stated the dispute was between me and the dealer. \n\nThe vehicle was later delivered in poor working condition and ultimately failed. I also incurred expenses to make payments ( to avoid credit damage ), Georgia registration and tag fees, and repair costs. I possess text messages where Mr. Ferguson admits to signing the loan on my behalf and delivering a defective vehicle. I request a full fraud investigation, loan cancellation, credit removal, reimbursement of all incurred costs, and enforcement against the dealer for his misconduct.","date_sent_to_company":"2025-10-06T19:40:10.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"16400866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-10-06T18:57:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["He represented the <em>vehicle</em> as like new with no mechanical defects. I provided my personal information ( drivers license, Social <em>Security</em> number, income docs ) so he could submit a financing application to Westlake Financial. \n\nWithout my knowledge or consent, XXXX XXXX executed the <em>loan</em> documents in my name, though I never signed or saw any contract or <em>disclosures</em>. Westlake funded the <em>loan</em> and transferred funds directly to the dealer."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["<em>Loan</em> opened without my consent or knowledge"]},"sort":[17.581882,"16400866"]},{"_index":"complaint-public-v1","_id":"13076905","_score":17.32358,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"RE : FORMAL NOTICE OF VIOLATION, DEMAND FOR FULL ACCOUNTING, CREDIT APPLICATION, & NOTICE OF CLAIM ACCOUNT # XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX This serves as a formal Notice of Violation, a demand for full accounting and documentation, and an official Notice of Claim of Interest in the above-referenced property and associated financial instrument. \n\nVIOLATIONS OF FEDERAL LAW Despite repeated requests, you have failed to provide : A copy of my signed and approved credit application. \nI also invoke my rights to receive : A complete and accurate accounting of this financial transaction, Proper disclosures regarding ownership, transfer, or securitization of the loan, if CAPITAL ONE AUTO FINANCE refuse to provide this information, This violates multiple federal statutes and standards, including : The Equal Credit Opportunity Act ( ECOA ) and Regulation B The Truth in Lending Act ( TILA ) and Regulation Z The Securities Act of 1933 and the Securities Exchange Act of 1934 The Financial Accounting Standards Board ( FASB ) guidelines Generally Accepted Accounting Principles ( GAAP ) and the SEC accounting and reporting regulations for public financial institutions. \n\nINVESTOR STANDING & UNREPORTED ACCOUNTING As the original party to the loan and the primary investor, I have a legal right to the full accounting and disposition of this instrument. I further assert that : The financial transaction associated with this auto loan is not being reported on your public financial ledger, balance sheet, or other required accounting disclosures. \n\nThis suggests that the account has been moved off-ledger, sold, securitized, or placed in a trust without notice or consent, in violation of accounting rules and public financial transparency standards. \n\nAs a consumer and equitable interest holder, I am entitled to a complete accounting under GAAP, FASB rules, and SEC standards. Failure to disclose material accounting and ownership information constitutes a breach of fiduciary duty and may be construed as investor fraud.\n\nNOTICE OF CLAIM OF INTEREST You are hereby placed on formal notice that I am asserting a Claim of Interest in the Property and in any financial instrument, trust, account, or security derived from, related to, or backed by my original loan contract and vehicle. This includes any and all proceeds, derivatives, re-sales, or collateral pledges tied to my signature or asset. \n\nFINAL DEMAND & NOTICE OF ACTION If I do not receive the following within 10 business days of your receipt of this letter : A full and accurate copy of the signed credit application A complete accounting of the loan from origination to present Written disclosure of any assignment, securitization, trust, or collateralization A copy of my Notice of Claim of Interest in the Property, if any I will take the following actions : File a complaint with the U.S. Securities and Exchange Commission ( SEC ) regarding unregistered securities, off-ledger accounting, and investor fraud and also Pursue legal remedies to : Void the loan contract, Demand immediate release of the vehicle title free and clear, Recover damages, statutory penalties, payment already made and attorneys fees Capital One Auto Finance is hereby placed on notice. I reserve all legal rights and remedies under applicable federal and state law.","date_sent_to_company":"2025-04-20T04:33:28.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"10462","tags":null,"has_narrative":true,"complaint_id":"13076905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-20T04:09:38.000Z","state":"NY","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["<em>Securities</em> and Exchange Commission ( SEC ) regarding unregistered <em>securities</em>, off-ledger accounting, and investor fraud and also Pursue legal remedies to : Void the <em>loan</em> contract, Demand immediate release of the <em>vehicle</em> title free and clear, Recover damages, statutory penalties, payment already made and attorneys fees Capital One Auto Finance is hereby placed on notice. I reserve all legal rights and remedies under applicable federal and state law."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[17.32358,"13076905"]},{"_index":"complaint-public-v1","_id":"4229102","_score":17.043861,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Purchased a XXXX on XX/XX/2021. Arranged for financing thru Alliant Credit Union. Sent final MVPA and VIN number to Alliant on XX/XX/2021. Received paperwork and agreed/signed security agreement for Loan 01 on XX/XX/2021. Took delivery of the car on XX/XX/2021 from XXXX - confirmed delivery. First payment of {$400.00} due and withdrawn from my bank account on XX/XX/2021 by Alliant. \n\nOriginal security agreement stated $ XXXX financing : 71 payments of {$400.00} ( final payment of XXXX ) at 5.470 % in exchange for {$42000.00} paid to XXXX on my behalf with first payment due on XX/XX/2021. \n\nXXXX, lender rep, on XX/XX/2021 stated that there was a computer glitch on the signed paperwork and that I needed to sign new paperwork for a new Loan 02. My previous payment was put into a pending account. The newly requested paperwork ( after I signed the security agreement, after I took delivery of the vehicle, after the first payment was drafted, and after XXXX said delivery is complete ) has financing of {$41000.00} : 71 payments of {$680.00} ( final payment of XXXX ) at 5.740 % in exchange for {$41000.00} with a first payment due on XX/XX/2021. \n\nI dont want to sign new paperwork for a new loan with worse terms for me after signing and agreeing with the lender and taking possession of the vehicle. The lender is claiming that this computer glitch on their end and errors on the Loan and Security Agreements and Disclosure Statements voids the previously signed agreement and that new terms are required. I disagree.","date_sent_to_company":"2021-03-19T19:23:16.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"4229102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLIANT CREDIT UNION","date_received":"2021-03-19T19:16:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Changes in terms mid-deal or after closing"},"highlight":{"complaint_what_happened":["I dont want to sign new paperwork for a new <em>loan</em> with worse terms for me after signing and agreeing with the lender and taking possession of the <em>vehicle</em>. The lender is claiming that this computer glitch on their end and errors on the <em>Loan</em> and <em>Security</em> Agreements and <em>Disclosure</em> Statements voids the previously signed agreement and that new terms are required. I disagree."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[17.043861,"4229102"]},{"_index":"complaint-public-v1","_id":"6613980","_score":17.009007,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"After numerous attempts to notify loan company of my consumer rights being violated by dealership and letting them know im going through the process of getting things overturned and requesting a debt validation to no avail. \n\nRoad Auto Finance released my personal ie. ( My name and my address ) information to a third party tow company without my consent violating my consumer rights in L5 U.S.C. 552a Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protectsrecords about individuals retrieved by personal identifierssuch as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain. \n\nAlso as I was sitting in my car at XXXX. the tow company came and hooked up to my vehicle while I was in the vehicle. I got out of the vehicle and asked him what is he doing he then told me he was repossessing the vehicle. \n\nWhich falls under the FL state law Breach of peace. Because this was an attempt to take possession of a vehicle with my person physically being in the vehicle. Taking possession of vehicle in this nature is a breach of peace and HIGHLY ILLEGAL. \n\nUnder Florida law, disorderly conduct or breach of peace isclassified as a second degree misdemeanor, carrying penalties of up to 60 days in jail or 6 months of probation, and a {$500.00} fine This violation of consumer rights is on the finance companies fault.","date_sent_to_company":"2023-02-24T10:50:07.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"32257","tags":null,"has_narrative":true,"complaint_id":"6613980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROAD Auto Finance, LLC","date_received":"2023-02-24T10:16:58.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of <em>disclosures</em> of any such records maintained about him or her.Prohibits <em>disclosure</em> of such records without the prior, written consent of the individual ( s ) to whom the records pertain. \n\nAlso as I was sitting in my car at XXXX. the tow company came and hooked up to my <em>vehicle</em> while I was in the <em>vehicle</em>."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Lender trying to repossess or disable the <em>vehicle</em>"]},"sort":[17.009007,"6613980"]},{"_index":"complaint-public-v1","_id":"6745027","_score":16.963226,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX, I called American Credit Acceptance again to ask to look over and send copies of any repossessions, balances they stated on all 3 major credit reports. I also contracted for 72 terms but ACC has inaccurately stated 80 terms on reports. Inaccurate balances, some payments not noted when compared to bank statements, interest rate is more than agrees upon because the principal in interest is being left off or not applied when it should have. This company has ballooned interest payments and trying to make me pay another {$9500.00}. XXXX for a cash payment of a XXXX vehicle, in which I have already ready American Credit Acceptance over {$33.00}, XXXX as of XXXX, XXXX. My loan for a XXXX XXXX XXXX vehicle has been charged more than 16 % interest rates on this loan. American Credit Acceptance has caused violations for damages and violations that allow rescission. American Credit Acceptance violations are the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures, changed the terms after contracted, American Credit Acceptance mangers also gave different names to keep me from documenting their names, after, I stated I was documenting phone calls. There are so many inaccuracies and fraudulent activity with this loan. I am tired of it and demanding Restitution.","date_sent_to_company":"2023-03-24T17:40:38.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"6745027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2023-03-24T16:43:12.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["XXXX for a cash payment of a XXXX <em>vehicle</em>, in which I have already ready American Credit Acceptance over {$33.00}, XXXX as of XXXX, XXXX. My <em>loan</em> for a XXXX XXXX XXXX <em>vehicle</em> has been charged more than 16 % interest rates on this <em>loan</em>. American Credit Acceptance has caused violations for damages and violations that allow rescission."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[16.963226,"6745027"]},{"_index":"complaint-public-v1","_id":"8935810","_score":16.95263,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have an auto loan with NAVY FEDERAL CREDIT UNION in which I never appointed NAVY FEDERAL attorney-in-fact with limited authority and I never provided a security interest in the vehicle as additional collateral to the promissory note. EXHIBIT A. \n\nHowever, on XX/XX/year>, I sent a notice to NAVY FEDERAL via their secure messaging portal concerning the revocation and removal of power of attorney and security interest '' to ensure NAVY FEDERAL understands there is no interest in the vehicle as collateral. EXHIBIT B. On XX/XX/year>, NAVY FEDERAL responded by stating, The documents you provided do not release you from your obligation to Navy Federal, and you remain responsible for the repayment of your debt ( s ). EXHIBIT C. \n\nNAVY FEDERAL responded again on XX/XX/year>, claiming that a power of attorney does not exist with the following statement, Navy Federal has not received any valid Power of Attorney ( POA ). Therefore, there is nothing to revoke with Navy Federal. EXHIBIT D. \n\nOn or about XX/XX/year>, NAVY FEDERAL seized my vehicles to perfect the security interest despite receiving my notice along with denying that a valid power of attorney existed. \n\nMy vehicle was seized without authority for the following reasons : NAVY FEDERAL is aware that I never agreed to provide NAVY FEDERAL security interest as a condition that was inserted on the face of the promissory note before initially returning it to NAVY FEDERAL, which was accepted without rejection. EXHIBIT A. \n\nI, XXXX, XXXXAgent, accept this promissory note, security agreement, and disclosure solely upon the condition that I receive all titles, rights, interest, and equity owed to XXXX XXXXPrincipal . The principal balance must be applied to the principal 's account. \n\nI revoked and removed the limited power of attorney and the security interest before the vehicle was seized. EXHIBIT B. \n\nNAVY FEDERAL denied that it received any valid power of attorney ( POA ). EXHIBIT D.\n\nNAVY FEDERAL never received an authenticate security agreement per UCC 9-203 9 ( b ) ( 1 ) ( 2 ) ( 3 ) ( A ).\n\nNAVY FEDERAL never perfected a security interest in the vehicle that was seized per UCC 9-310, because NAVY FEDERAL never filed a UCC-1 statement as evidenced by the enclosed Georgia UCC CERTIFIED SEARCH REPORT . I am the only person who has a security interest in the vehicle because I filed a UCC-1 listing the vehicle as collateral. EXHIBIT E. \n\nThe vehicle was never collateral that was subjected to any security interest per UCC 9-102 ( a ) ( 12 ).","date_sent_to_company":"2024-05-06T15:07:01.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"10037","tags":null,"has_narrative":true,"complaint_id":"8935810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-05-06T13:42:05.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["I have an auto <em>loan</em> with NAVY FEDERAL CREDIT UNION in which I never appointed NAVY FEDERAL attorney-in-fact with limited authority and I never provided a <em>security</em> interest in the <em>vehicle</em> as additional collateral to the promissory note. EXHIBIT A."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Lender trying to repossess or disable the <em>vehicle</em>"]},"sort":[16.95263,"8935810"]},{"_index":"complaint-public-v1","_id":"7822231","_score":16.812935,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), Re : Nissan Motor Acceptance Company LLC I am writing to you to make a complaint against Nissan Motor Acceptance Company LLC ; My complaint pertains to their handling of my vehicle financing ( Acct number XXXX ) which as per the XXXX XXXX XXXX has raised concerns of potential violations with security frauds and tax evasion. \n\nMy promissory note and certificate of indebtedness was securitized by this company, they also received a CUSIP number and engaged in trading activities on the secondary market. Nissan Motor Acceptance Company LLC has also failed to provide my lawful 80 % of the proceeds from the securitization of my note on the secondary market. I previously sent XXXX XXXX XXXX XXXX ( CEO ) XXXX XXXX a rescission notice that referenced ANY and All Security agreements with Nissan Motor Acceptance Company LLC. The notice was delivered on XX/XX/XXXX, XXXX AM via Certified mail # XXXX XXXX XXXX XXXX XXXX. \n\nNissan Motor Acceptance Company LLC continually fails to set-off the debt of the said note above, subsequently to the above I sent a registered security to both : Nissan Motor Acceptance Company LLC XXXX XXXX to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX AM via XXXX Nissan Motor Acceptance Company LLC XXXX XXXX trustee ) XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX PM via XXXX Nissan Motor Acceptance Company LLC XXXX XXXX XXXX that I pay back the interest they borrowed for the US Treasury. I am writing to bring your attention to the compelling evidence brought to my attention via a XXXX XXXX XXXX XXXX Report that substantiates the presence of Securities Fraud related to my auto loans. The evidence at hand not only highlights the existence of irregularities by the Employment of Manipulative and Deceptive Practices but also underscores the need for a thorough investigation and resolution of this matter. \n\nCUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform Securities Identification Procedures ) number associated with my auto loans. CUSIP numbers are unique identifiers used in the securities industry to track financial instruments, including securities. The fact that my auto loan has an associated CUSIP number strongly suggests that it has been securitized, implying that it may have been bundled with other auto loans and sold as a financial product to investors. This is a key indicator of securities fraud when such securitization is not properly disclosed. \n\nMy auto loan was not handled in accordance with the law, leading to a breach of my rights as a borrower and potential harm to investors. Despite the clear indications that the note are being sold or transferred, given the nature of the situation I have reason to believe that these transactions are not being reported to the U.S. Securities and Exchange Commission ( SEC ). The failure to report these transactions raises questions about compliance with the regulatory framework established to govern the securities industry. When financial instruments, including auto loan notes, are transferred, it is essential that such transactions be accurately and promptly reported to the SEC. This reporting is a fundamental requirement. Given the circumstances, it raises suspicions that any non-disclosure or failure to report may not merely be a matter of oversight, but rather a calculated maneuver to evade regulatory scrutiny. \n\nNissan Motor Acceptance Company LLC unauthorized sale of securities alone, conducted without the clear and informed consent of the rightful owner, unequivocally amounts to a severe violation of securities laws and regulations. It represents a blatant disregard for investor protection, and it flagrantly undermines the very core of securities markets. The perpetration of such a violation leaves no room for ambiguitythis is an undeniable breach of securities law and a clear case of securities fraud. Upholding the principles of securities law, safeguarding ownership rights, and ensuring investor interests are paramount in addressing this egregious misconduct. \n\nI have reason to believe that Nissan Motor Acceptance Company LLC is channeling my funds to service the interest on securities associated with my auto loan note, securities actively traded on the secondary market. This raises profound ethical and legal concerns, particularly when the auto loan debt is, in fact, fully XXXX. This situation underscores the pressing need for transparency, legal remedies, and accountability. The borrower, unwittingly ensnared in this labyrinthine web, deserves nothing less than complete disclosure and resolution of this intricate and deeply concerning financial matter. \n\nNissan Motor Acceptance Company LLC seeks total return by investing in investment grade auto loan-backed securities or unrated auto loan-backed securities ( ABS ) which the adviser determines to be of comparable quality. \n\nThe issuance of auto loan-backed securities without the borrower's/investors knowledge or the creation of a CUSIP number without proper disclosure constitutes fraud. Here 's how it works : Securities Laws : Securities laws i.e Securities Act of 1933, and Securities and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors. If auto loan-backed securities issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws.\n\nLack of Disclosure : In securities markets, transparency and full disclosure are paramount. When car owners take out auto loans, they generally enter into agreements with their lenders. If their auto loans or notes are later bundled into auto loan-backed securities and traded as securities, the car owner should be made aware of this process and the potential risks involved. Failure to provide this information is considered fraudulent concealment. \n\nMisrepresentation : If the creation of ( ABS ) and the assignment of CUSIP numbers are not properly disclosed to borrowers, it is misrepresentation and omission of material information. Borrowers have the right to know how their auto loan contracts may be affected by securitization.\n\nRisks for Investors : The lack of disclosure and transparency in the securitization process can create risks for investors, including mutual funds, who invest in ( ABS ). If the underlying securities are subject to legal challenges due to non-disclosure or misrepresentation, it can lead to financial losses and damage to the reputation of the investors. \n\nIn summary, if borrowers/investors are not aware of the securitization of their auto loans and the assignment of CUSIP numbers to the related securities, it constitutes fraud due to non-disclosure and misrepresentation. Borrowers ( which are actually the investors ) have a right to know how their auto loan agreements are being packaged as securities and traded. Such non-disclosure can lead to legal consequences for the parties involved and pose risks for investors in these securities, such as the borrowers themselves or mutual funds.","date_sent_to_company":"2023-11-09T03:54:27.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"7822231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2023-11-09T03:24:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["If auto <em>loan</em>-backed <em>securities</em> issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws.\n\nLack of <em>Disclosure</em> : In <em>securities</em> markets, transparency and full <em>disclosure</em> are paramount. When car owners take out auto <em>loans</em>, they generally enter into agreements with their lenders."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"]},"sort":[16.812935,"7822231"]},{"_index":"complaint-public-v1","_id":"1987980","_score":16.710855,"_source":{"product":"Consumer Loan","complaint_what_happened":"On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a \" co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.","date_sent_to_company":"2016-06-28T20:40:50.000Z","issue":"Taking out the loan or lease","sub_product":"Vehicle loan","zip_code":"11235","tags":"Older American","has_narrative":true,"complaint_id":"1987980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STATE FARM BANK, FSB","date_received":"2016-06-28T20:40:49.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I also found a Bill of Sale and Odometer <em>Disclosure</em> Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a \" co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), <em>Vehicle</em> <em>Loan</em> Application ( undated ) and the Promissory Note and <em>Security</em> Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer <em>Disclosure</em> Statement ( dated XXXX/XXXX/XXXX )."],"product":["Consumer <em>Loan</em>"],"issue":["Taking out the <em>loan</em> or lease"],"sub_product":["<em>Vehicle</em> <em>loan</em>"]},"sort":[16.710855,"1987980"]},{"_index":"complaint-public-v1","_id":"21706650","_score":16.703932,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I now have both accounts closed business and personal by Navy Federal Credit Union due to discrimination, disclosures and financial hardship, its no way to pay for vehicle after explaining to NFCU the vehicle isnt operable due to engine failure, they stated I do not have gap anymore cause I did an refinance which XXXX disclosed before doing application I was pay over {$500.00} a month and the loan was not decreasing at all including principal balance which prompted me to file for refinance Ive also stated I will file bankruptcy, after Navy Federal credit Union stated it will go on credit and I will still be responsible which will put me in a lose lose situation. It cause XXXX XXXXXXXX, XXXX that now put me in a position that will lose everything as a single father with XXXX and XXXX yr old. They arent set to help us only take Ive filled application out for {$1000.00} loan to fix vehicle they want me to pay for so I can continue to get back and fourth, my personal credit was ran even for business check kind of credit. Social security number supposedly only hold debt and discrimination.","date_sent_to_company":"2026-04-29T14:32:23.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"21706650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-29T14:08:40.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem after you declared or threatened to declare bankruptcy"},"highlight":{"complaint_what_happened":["They arent set to help us only take Ive filled application out for {$1000.00} <em>loan</em> to fix <em>vehicle</em> they want me to pay for so I can continue to get back and fourth, my personal credit was ran even for business check kind of credit. Social <em>security</em> number supposedly only hold debt and discrimination."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["<em>Loan</em>"]},"sort":[16.703932,"21706650"]},{"_index":"complaint-public-v1","_id":"9956141","_score":16.678156,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"WITHOUT PREJUDICE XXXX XXXX XXXX AS STATED IN THE CONTRACT THE VEHICLE IS PLEDGED AS COLLATERAL PURSUANT TO FEDERAL RESERVE ACT SECTION16 ( 2 ) IN NO EVENT SHALL SUCH COLLATERAL SECURITY BE LESS THAN THE FEDERAL RESRVE NOTES APPLIED FOR.\n\nIT STATES IN THE FIRST SENTENCE OF MY CONTRACT THAT \" THE BUYER, MAY BUY THE VEHICLE BELOW FOR CASH OR ON CREDIT. '' WITH THE RETAIL INSTALLMENT SALE CONTRACT ALSO BEING A CONSUMER CREDIT SALE, I JUSTIFY THAT THE LOAN OR ALLEGED DEBT HAS ALREADY BEEN PREPAID.THE BANK IS THE BOROWER I AM THE CREDITOR! \n\nIT ALSO STATES \" BY SIGNING THIS CONTRACT, YOU CHOOSE TO BUY THE VEHICLE ON CREDIT UNDER THE AGREEMENTS IN THIS CONTRACT '' ... NOT WITH CASH BUT ON CREDIT!!!! \n\nHERE IN MY CONTRACT IT ALSO READS \" NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER '' IT STATES IN MY TILA DISCLOSURE \" AMOUNT FINANCED '' THE AMOUNT OF CREDIT PROVIDED TO YOU OR ON YOUR BEHALF. XXXX THE TOTAL AMOUNT OF PAYMENTS BEING XXXX IS IN DIRECT VIOLATION OF FRA SECTION 16 ( 2 ) THE COMPANY GATEWAY FINANCIAL SOLUTIONS HAS COMMITTED MULTIPLE SECURITIES FRAUD AGAINST XXXX XXXX","date_sent_to_company":"2024-08-29T20:18:21.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"30165","tags":null,"has_narrative":true,"complaint_id":"9956141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GFS II, LLC","date_received":"2024-08-29T19:14:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["WITHOUT PREJUDICE XXXX XXXX XXXX AS STATED IN THE CONTRACT THE <em>VEHICLE</em> IS PLEDGED AS COLLATERAL PURSUANT TO FEDERAL RESERVE ACT SECTION16 ( 2 ) IN NO EVENT SHALL SUCH COLLATERAL <em>SECURITY</em> BE LESS THAN THE FEDERAL RESRVE NOTES APPLIED FOR."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[16.678156,"9956141"]},{"_index":"complaint-public-v1","_id":"7822358","_score":16.632692,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), Re : GM Financial I am writing to you to make a complaint against GM Financial ; My complaint pertains to their handling of my vehicle financing ( Acct number XXXX ) which as per the XXXX XXXX XXXX has raised concerns of potential violations with security frauds and tax evasion. \n\nMy promissory note and certificate of indebtedness was securitized by this company, they also received a CUSIP number and engaged in trading activities on the secondary market. GM Financial has also failed to provide my lawful 80 % of the proceeds from the securitization of my note on the secondary market. I previously sent GM Financial ( XXXX ) XXXX XXXX XXXX a rescission notice that referenced ANY and All Security agreements with GM Financial. The notice was delivered on XX/XX/XXXX, XXXXXXXX XXXX via Certified mail # XXXX XXXX XXXX XXXX XXXX. \n\nGM Financial continually fails to set-off the debt of the said note above, subsequently to the above I sent a registered security to both : GM Financial XXXX Delivered to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX via XXXX GM Financial ( indenture trustee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX via XXXX GM Financial continues to request that I pay back the interest they borrowed for the US Treasury. I am writing to bring your attention to the compelling evidence brought to my attention via a Forensic Loan Securitization Analysis Report that substantiates the presence of Securities Fraud related to my auto loans. The evidence at hand not only highlights the existence of irregularities by the Employment of Manipulative and Deceptive Practices but also underscores the need for a thorough investigation and resolution of this matter. \n\nCUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform Securities Identification Procedures ) number associated with my auto loans. CUSIP numbers are unique identifiers used in the securities industry to track financial instruments, including securities. The fact that my auto loan has an associated CUSIP number strongly suggests that it has been securitized, implying that it may have been bundled with other auto loans and sold as a financial product to investors. This is a key indicator of securities fraud when such securitization is not properly disclosed. \n\nMy auto loan was not handled in accordance with the law, leading to a breach of my rights as a borrower and potential harm to investors. Despite the clear indications that the notes are being sold or transferred, given the nature of the situation I have reason to believe that these transactions are not being reported to the U.S. Securities and Exchange Commission ( SEC ). The failure to report these transactions raises questions about compliance with the regulatory framework established to govern the securities industry. When financial instruments, including auto loan notes, are transferred, it is essential that such transactions be accurately and promptly reported to the SEC. This reporting is a fundamental requirement. Given the circumstances, it raises suspicions that any non-disclosure or failure to report may not merely be a matter of oversight, but rather a calculated maneuver to evade regulatory scrutiny. \n\nGM Financial unauthorized sale of securities alone, conducted without the clear and informed consent of the rightful owner, unequivocally amounts to a severe violation of securities laws and regulations. It represents a blatant disregard for investor protection, and it flagrantly undermines the very core of securities markets. The perpetration of such a violation leaves no room for ambiguitythis is an undeniable breach of securities law and a clear case of securities fraud. Upholding the principles of securities law, safeguarding ownership rights, and ensuring investor interests are paramount in addressing this egregious misconduct. \n\nI have reason to believe that GM Financial is channeling my funds to service the interest on securities associated with my auto loan note, securities actively traded on the secondary market. This raises profound ethical and legal concerns, particularly when the auto loan debt is, in fact, fully discharged. This situation underscores the pressing need for transparency, legal remedies, and accountability. The borrower, unwittingly ensnared in this labyrinthine web, deserves nothing less than complete disclosure and resolution of this intricate and deeply concerning financial matter. \n\nGM Financial seeks total return by investing in investment grade auto loan-backed securities or unrated auto loan-backed securities ( ABS ) which the adviser determines to be of comparable quality. \n\nThe issuance of auto loan-backed securities without the borrower's/investors knowledge or the creation of a CUSIP number without proper disclosure constitutes fraud. Here 's how it works : Securities Laws : Securities laws i.e Securities XXXX of 1933, and Securities and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors. If auto loan-backed securities issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws. \n\nLack of XXXX : In securities markets, transparency and full disclosure are paramount. When car owners take out auto loans, they generally enter into agreements with their lenders. If their auto loans or notes are later bundled into auto loan-backed securities and traded as securities, the car owner should be made aware of this process and the potential risks involved. Failure to provide this information is considered fraudulent concealment. \n\nMisrepresentation : If the creation of ( ABS ) and the assignment of CUSIP numbers are not properly disclosed to borrowers, it is misrepresentation and omission of material information. Borrowers have the right to know how their auto loan contracts XXXX be affected by securitization. \n\nRisks for XXXX : The lack of disclosure and transparency in the securitization process can create risks for investors, including mutual funds, who invest in ( ABS ). If the underlying securities are subject to legal challenges due to non-disclosure or misrepresentation, it can lead to financial losses and damage to the reputation of the investors. \n\nIn summary, if borrowers/investors are not aware of the securitization of their auto loans and the assignment of CUSIP numbers to the related securities, it constitutes fraud due to non-disclosure and misrepresentation. Borrowers ( which are actually the investors ) have a right to know how their auto loan agreements are being packaged as securities and traded. Such non-disclosure can lead to legal consequences for the parties involved and pose risks for investors in these securities, such as the borrowers themselves or mutual funds.","date_sent_to_company":"2023-11-09T04:20:37.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"7822358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2023-11-09T03:56:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["The issuance of auto <em>loan</em>-backed <em>securities</em> without the borrower's/investors knowledge or the creation of a CUSIP number without proper <em>disclosure</em> constitutes fraud. Here 's how it works : <em>Securities</em> Laws : <em>Securities</em> laws i.e <em>Securities</em> XXXX of 1933, and <em>Securities</em> and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors."],"product":["<em>Vehicle</em> <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[16.632692,"7822358"]},{"_index":"complaint-public-v1","_id":"11837201","_score":16.54626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX for Security Fraud , Discrimination, and Consumer Credit Violations Complainant : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] Phone : XXXX Email : XXXX Respondent : Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Business Type : Automobile dealership and financing institution 1. Complaint to the Federal Trade Commission ( FTC ) Summary of Violations : XXXX has engaged in practices that violate federal consumer protection laws and regulations, including : 1. Violation of the Truth in Lending Act ( 15 U.S.C. 1605 ) : XXXX failed to provide clear and accurate disclosures regarding loan terms, including hidden fees and deceptive financing rates for the following vehicle : VIN : XXXX Make/Model : XXXX XXXXXXXX XXXX XXXX : XXXX MSRP/RETAIL Price : {$98000.00} Amount Financed : {$96000.00} Additionally, the violation of 15 U.S.C. 1611 involves the provision of false and misleading information during the transaction process, infringing upon the public law safeguarding consumer rights. 2. Unfair Use of Consumer Reports ( UCC 9-108 ) : The company accessed and utilized my consumer credit report without a permissible purpose, violating federal guidelines and UCC regulations . 3. Deceptive Financial Practices : Misrepresentation of financing agreements and failure to disclose accurate costs as required under 12 CFR Part 1026 ( Regulation Z ). Violation of the UCC Diffusion of Finance Charge by not disclosing the total finance charge, i.e., the sum of all amounts payable directly to XXXX. 4. Discrimination : Instances of discriminatory practices during the financing process, including inconsistent loan terms and denial of fair rates based on [ specific discriminatory basis ]. Supporting Documents : Vehicle financing agreements and disclosures Communications with XXXX Copies of consumer reports accessed by the respondent Evidence of discriminatory practices Relief Sought : Immediate investigation into XXXX 's financing practices . Enforcement of penalties for non-compliance with consumer protection laws. Compensation for damages, including financial losses, credit harm, and injuries caused by these violations. Compensation Requested : {>= $1,000,000} ( XXXX Million USD ). In addition, all transactions and violations will be reported to the Internal Revenue Service ( IRS ) under relevant consumer transaction forms, including 1099-A, 1099-B, 1099-OID, and 1099-C. 2. Complaint to the Securities and Exchange Commission ( SEC ) Summary of Violations : XXXX has committed security fraud and unethical practices in financial disclosures, including : 1. Misrepresentation of Financial Information : Misleading disclosures related to financing and investment opportunities tied to the vehicle purchase. Providing falsified or incomplete information to consumers about risks and obligations. 2. Violation of SEC Regulations : XXXX failed to comply with disclosure requirements under SEC rules XXXX impairing my ability to make informed financial decisions. Supporting Documents : Financial statements or investment documents provided by XXXX Email or written communication demonstrating misrepresentation Relief Sought : Investigation into security fraud violations. Enforcement of penalties for misleading financial practices. Key Legal References Included : 1. Truth in Lending Act ( 15 U.S.C. 1605 ) : Requires accurate disclosures of loan terms and costs. 2. 15 U.S.C. 1611 : Prohibits the provision of false and misleading information. 3. UCC 9-108 : Governs permissible use of consumer credit reports. 4. 12 CFR Part 1026 ( Regulation Z ) : Establishes regulations for credit transactions and fair disclosure practices. 5. UCC Diffusion of Finance Charge : Summation of all amounts payable directly to the creditor, requiring clear and accurate disclosure. 3. Additional Actions : Lien and Property Claims : The vehicle ( VIN : XXXX ) will be liened to secure the interest of the complainant. All property tied to the respondent will be claimed under secure party creditor rights. Legal Action : If this matter is not resolved, I will seek legal recourse for restitution and damages caused by the violations. IRS Reporting : All financial transactions involved in this complaint will be reported to the Internal Revenue Service for review of compliance with federal tax laws and consumer transaction documentation. Declaration : I declare under penalty of perjury that the information provided is true and accurate to the best of my knowledge. Signature : XXXX XXXX XXXX XXXX XXXX File Number : XXXX","date_sent_to_company":"2025-01-29T14:08:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"61820","tags":null,"has_narrative":true,"complaint_id":"11837201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-29T14:08:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Complaint to the <em>Securities</em> and Exchange Commission ( SEC ) Summary of Violations : XXXX has committed <em>security</em> fraud and unethical practices in financial <em>disclosures</em>, including : 1. Misrepresentation of Financial Information : Misleading <em>disclosures</em> related to financing and investment opportunities tied to the <em>vehicle</em> purchase. Providing falsified or incomplete information to consumers about risks and obligations. 2."]},"sort":[16.54626,"11837201"]},{"_index":"complaint-public-v1","_id":"11837200","_score":16.531872,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX for Security Fraud , Discrimination, and Consumer Credit Violations Complainant : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] Phone : XXXX Email : XXXX Respondent : Name : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Business Type : Automobile dealership and financing institution 1. Complaint to the Federal Trade Commission ( FTC ) Summary of Violations : XXXX has engaged in practices that violate federal consumer protection laws and regulations, including : 1. Violation of the Truth in Lending Act ( 15 U.S.C. 1605 ) : XXXX failed to provide clear and accurate disclosures regarding loan terms, including hidden fees and deceptive financing rates for the following vehicle : VIN : XXXX Make/Model : XXXX XXXXXXXX XXXX XXXX : XXXX MSRP/RETAIL Price : {$98000.00} Amount Financed : {$96000.00} Additionally, the violation of 15 U.S.C. 1611 involves the provision of false and misleading information during the transaction process, infringing upon the public law safeguarding consumer rights. 2. Unfair Use of Consumer Reports ( UCC 9-108 ) : The company accessed and utilized my consumer credit report without a permissible purpose, violating federal guidelines and UCC regulations . 3. Deceptive Financial Practices : Misrepresentation of financing agreements and failure to disclose accurate costs as required under 12 CFR Part 1026 ( Regulation Z ). Violation of the UCC Diffusion of Finance Charge by not disclosing the total finance charge, i.e., the sum of all amounts payable directly to XXXX. 4. Discrimination : Instances of discriminatory practices during the financing process, including inconsistent loan terms and denial of fair rates based on [ specific discriminatory basis ]. Supporting Documents : Vehicle financing agreements and disclosures Communications with XXXX Copies of consumer reports accessed by the respondent Evidence of discriminatory practices Relief Sought : Immediate investigation into XXXXXXXX XXXX financing practices . Enforcement of penalties for non-compliance with consumer protection laws. Compensation for damages, including financial losses, credit harm, and injuries caused by these violations. Compensation Requested : {>= $1,000,000} ( XXXX Million USD ). In addition, all transactions and violations will be reported to the Internal Revenue Service XXXX IRS ) under relevant consumer transaction forms, including 1099-A, 1099-B, 1099-OID, and 1099-C. 2. Complaint to the Securities and Exchange Commission ( SEC ) Summary of Violations : XXXX has committed security fraud and unethical practices in financial disclosures, including : 1. Misrepresentation of Financial Information : Misleading disclosures related to financing and investment opportunities tied to the vehicle purchase. Providing falsified or incomplete information to consumers about risks and obligations. 2. Violation of SEC Regulations : XXXX failed to comply with disclosure requirements under SEC rules , impairing my ability to make informed financial decisions. Supporting Documents : Financial statements or investment documents provided by XXXX Email or written communication demonstrating misrepresentation Relief Sought : Investigation into security fraud violations. Enforcement of penalties for misleading financial practices. Key Legal References Included : 1. Truth in Lending Act ( 15 U.S.C. 1605 ) : Requires accurate disclosures of loan terms and costs. 2. 15 U.S.C. 1611 : Prohibits the provision of false and misleading information. 3. UCC 9-108 : Governs permissible use of consumer credit reports. 4. 12 CFR Part 1026 ( Regulation Z ) : Establishes regulations for credit transactions and fair disclosure practices. 5. UCC Diffusion of Finance Charge : Summation of all amounts payable directly to the creditor, requiring clear and accurate disclosure. 3. Additional Actions : Lien and Property Claims : The vehicle ( VIN : XXXX ) will be liened to secure the interest of the complainant. All property tied to the respondent will be claimed under secure party creditor rights. Legal Action : If this matter is not resolved, I will seek legal recourse for restitution and damages caused by the violations. IRS Reporting : All financial transactions involved in this complaint will be reported to the Internal Revenue Service for review of compliance with federal tax laws and consumer transaction documentation. Declaration : I declare under penalty of perjury that the information provided is true and accurate to the best of my knowledge. Signature : XXXX XXXX XXXX XXXX XXXX File Number : XXXX","date_sent_to_company":"2025-01-29T14:08:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"61820","tags":null,"has_narrative":true,"complaint_id":"11837200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Volvo Car Financial Services U.S., LLC","date_received":"2025-01-29T14:08:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Complaint to the <em>Securities</em> and Exchange Commission ( SEC ) Summary of Violations : XXXX has committed <em>security</em> fraud and unethical practices in financial <em>disclosures</em>, including : 1. Misrepresentation of Financial Information : Misleading <em>disclosures</em> related to financing and investment opportunities tied to the <em>vehicle</em> purchase. Providing falsified or incomplete information to consumers about risks and obligations. 2."]},"sort":[16.531872,"11837200"]},{"_index":"complaint-public-v1","_id":"2743317","_score":16.51173,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I was researching for the potential purchase of a used vehicle on XXXX/XXXX/XXXX. On a dealer 's website, I was referred to XXXX XXXX for potential pre-qualification for an auto loan. XXXX XXXX 's website discloses a soft pull is done for their loans. I proceed through the process and at the end, press the \" I '' button for information prior to submitting my request and I was provided the following disclosure : \" When you provide the last 4 digits of your Social Security Number you are applying for credit with lenders matched to you on our network. XXXX will perform a soft pull of credit from one or more of thre three major credit bureaus, verify your identity, and then pass the information provided and your full Social Security Number to up to 5 partners. '' I then pressed \" View Free Offers '' and the process continued to see if I was pre-qualified. The use of \" free offers '' and disclosing a soft pull will be performed is misleading, as a hard pull was done from XXXX that same day by XXXX ( XXXX XXXX XXXX XXXX ). I found out via an alert from my credit monitoring service. Mostly anyone that is excited to potentially get a loan for a new vehicle may fall victim to these \" disclosures '' and \" free offers '', as evidenced by my situation. \n\nI called XXXX today, XXXX/XXXX/XXXX, and explained the situation. They advised they do a hard or soft pull depending on how XXXX sends the information to them. I explained their disclosure shows a soft pull only, which is the only reason I moved forward with the inquiry. They said there is nothing they can do and I have to go dispute with XXXX. I had spoken with someone named XXXX at XXXX. I then called XXXX at XXXX and spoke with XXXX. She said the website disclosures soft pulls, but for auto loans a hard pull is done. \n\nThis goes against what I read on the disclosure. She told me it shows it at the last page where I submitted the information before clicking \" view free offers ''. I navigated through the website with her on the phone and she guided me all the way to the bottom of the page, where it reads at the end of the page \" These partners may perform a hard pull of your credit profile to provide you with firm offers of credit. '' She was no longer interested in the conversation and moved quickly to end the call. Showed no concern for the situation or how I was affected by the misleading disclosures. \n\nI am frustrated, hurt, and appalled that financial institutions are allowed to prey on consumers this way. XXXX clearly states there is a soft pull done in the difficult-to-miss disclosure right next to the \" View Free Offers '' button. It is clever marketing designed to work against consumers. The disclosure the representative from XXXX guided me to simply states \" to provide you with firm offers of credit '' at the end of the disclosure. This can be interpreted as a hard pull can be completed on the consumer 's credit once you receive the offers from the soft pull that is being done. Again, it continues to be misleading. I hope that you are able to help me have this resolved and this unauthorized, hard pull removed from my credit report. These are deceptive business practices that should not be allowed. Thank you.","date_sent_to_company":"2017-12-01T19:15:37.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2743317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Home Loan Center, Inc.","date_received":"2017-12-01T18:51:41.000Z","state":"NJ","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I was researching for the potential purchase of a used <em>vehicle</em> on XXXX/XXXX/XXXX. On a dealer 's website, I was referred to XXXX XXXX for potential pre-qualification for an auto <em>loan</em>. 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