| 03/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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XX/XX/XXXX i walked into Burns Auto Credit, based in XXXX South Carolina, to finance a Automobile.
After some consideration I proceeded to sign a contract with the dealer for a XXXX XXXX XXXX.
I agreed to this contract with the idea or belief that this was a " credit sale '' govern under the TILA, which protects consumers from inaccurate and unfair billing and credit card use. It also requires lenders to provide loan cost information so you're able to compare different loan rates. Creditors like Burns are also required to disclose all information pertaining to the consumer transaction.
Fast forwarding a year later XX/XX/XXXX I received a phone call from my account manager who wanted to know the status for a payment due.
NOTE:1 ) This was the last payment I've been able to make for problems listed below. 2 ) My account was yet to be 30 days behind which pushes it to collections.
In the midst of processing this payment on XXXX XXXX I was informed that due to the lack of insurance that is required on the automobile I also accumulated a premium of estimated XXXX bucks per week on top of my regular payments of {$100.00}. At this time I tried to explain to the manager that its no way they should know that information because as a consumer I have a right to privacy.
From understanding U.S. CODE TITLE 15 CHAPTER 41 sect. 1681 The banking system is dependent on fair and accurate consumer reporting. Inaccurate reports directly impair the efficiency of the banking system and the practices of such undermine the public confidence. Which is vital to the functioning of the system of banking.
Exercising my rights which is protected by law for them to honor my right to privacy information especially without written consent to do so.
After I admitted to having insurance we came to the agreement of the payment for {$100.00}.
Nevertheless I checked my bank account and realized that my payment was processed for {$120.00}. Now im paying double insurance. I decided that day to seek remedy.
XX/XX/XXXX after numerous phone calls I went to XXXX XXXX SC to speak with the sale manager of Burns Auto.
He could not answer any questions and was not interested in what I had to say. He provided me with my account manager information.
On XX/XX/XXXX I called her. In return she forwarded me to the Financial Department manager. We spoke about my account she informed me she wants to collect a debt and that my " No cooling off " period terminates my rights of rescission. I informed her U.S. CODE TITLE 15 CHAPTER 41 sect. 1635 informs me if my right to rescind. So I wasn't provided with that paperwork of course. That right there would definitely be the main issue here.
U.S. CODE TITLE 15 CHAPTER 41 sect. 1681- conditions and form of disclosures to consumer.
U.S. CODE TITLE 15 CHAPTER 41 sect. 1605-Determination of finance charge.
The APR rate, the method of determining finance charge, the finance charge balanced that is imposed ONLY, insurance for liabilities and property damage included in finance charge. Which was not disclosed.
I would definitely consider the insurance not being disclose is the frontrunner of the other inquiries. Just to name a few.
Again I brought these concerns and complaints to their attention they were rude and dismissive of course.
I stated earlier that I did sign a Affidavit of sale for Motor vehicle and Federal Truth in Lending contract, but without full disclosure of my rights. I did not agree that my rights were being denied and my interest in the property being provoked. Its definitely wrong for someone else to have a claim or interested in your property or personal asset.
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| 03/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/23, I mailed request to Burns Chevrolet, to send the disclosure pursuant to XXXX -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
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| 01/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.
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| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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