| 02/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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XXXX XXXX XXXX took and misused my personal information and applied for and aquired a loan with Road Auto Finance and did not notify me before doing so.
The whole time the guy kept saying " we can can Finance you '' as if XXXX was the loaners he never told me he was sending my information to third party companies. I thought it was a in house Finance. I NEVER CONSENTED TO RELEASE MY PERSONAL INFORMATION. I vividly remember the salesman writing my information down on a piece of paper and taking it to the Financial Manger but they never told me what was going on. I thought is was to process the registration and things I was never notified that they were applying for auto loans in my name with my social security number. I never realized until it was time to make my first payment that it was a third party Finance company because I was not informed of this which is a violation of my consumer rights and the tila. My information was not only mis used to 1, but multiple Finance companies that I never even heard of. Applying for multiple loans. whole agreement was misleading in every factor. And these companies should be shut down.
I here by revoke all of my SIGNATURES due to ( fraudulent ) use of it through these companies and SIGNATURES are now VOID and Agreements TERMINATED due to the VIOLATIONS OF MY CONSUMER RIGHTS UNDER TGE TILA 28 u.s. code 3002-3 citzen 28 u.s. code 3002-4 debt 28 u.s. code 3002-10 debiter I XXXX XXXX XXXX am hereby enforcing my rights to recession due to my consumer laws being violated Under CCPA as well as TILA VIOLATIONS 1. I was not notified that registration was a consumer credit transaction. NO WHERE IN THE PAPER WORK 2. Transaction is totally illegal no sum of money was transfered to me AT ALL ie. Check, cash, or electronic deposit. 3. Transaction does not cover all cost totally, insurance is not included nor is registration for the 3 year period of transaction. Which is in violation of TILA 4. You guys took and used my personal information and input it in other data bases and put my signature on documents that I never signed nor approved IDENTITY THEFT. Therefore I hereby REVOKE ALL of my SIGNATURES in relation to you and your company on all paperwork all of my SIGNATURES are no non avoid. I have emails from creditors referring to this transaction try to give me a credit that I never applied for. 5. AGGRESSIVE AND AGGRAVATED THREATS OF REPOSSESSION AND DEBT 15 use 1692f ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( 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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| 06/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a distressing situation involving a fraudulent contract that I was coerced into by XXXX XXXX XXXX and Road Auto Finance. I believe that my consumer rights have been violated, and I am seeking your assistance in resolving this matter.
In the contract that was presented to me, I discovered several instances of false information, including incorrect names and fabricated down payment details. I want to clarify that I only provided a down payment of {$500.00} and entrusted the dealership to hold the car for me until I received my refund check. However, to my surprise, the dealership had already proceeded with the paperwork and submitted inaccurate information to Road Auto Finance, stating that I had made a down payment of {$2000.00}. Unfortunately, by that point, I felt compelled to proceed with the sale due to my vulnerable position and immediate need for transportation.
Within the first week of acquiring the vehicle, I experienced multiple issues and promptly notified XXXX at XXXX XXXX XXXX. However, he informed me that no repairs would be undertaken until I paid an additional {$1500.00}, threatening to withhold my tags unless I complied. Consequently, XXXX XXXX XXXX held my tags and forced me to visit the DMV to retrieve them. This situation has caused undue distress and financial burden.
Moreover, after several months had passed, I contacted Road Auto Finance to explain the discrepancies in my transaction, including the misrepresented down payment and the incorrect names on the contract. I further expressed my concerns regarding the negative impact these inconsistencies had on my credit profile. Shockingly, XXXX XXXX from the legal department dismissed my concerns, stating that I should never have signed the contract and demanded immediate payment, or else they would repossess my vehicle. It is important to note that I was only eight days late with my payment, whereas repossession typically occurs after a period of 30 days or more.
Furthermore, I have discovered that my personal information has been shared with a non-affiliated third party called XXXX XXXX XXXX without providing me with proper written notice. This breach of confidentiality has caused me extreme emotional, financial, and psychological distress, ultimately resulting in an alarming incident where a tow truck driver arrived at my residence in an aggressive manner, necessitating police intervention. Such actions are in clear violation of U.S.C. 15 1692f ( 6 ), which prohibits non-judicial actions that lead to dispossession or disablement of property when there is no intention to take possession.
Additionally, I want to bring your attention to the dealership 's failure to disclose that the vehicle had undergone electrical repairs and had been flooded, causing long-term issues, including the malfunctioning of the horn.
Given the severe distress caused by Road Auto Finance and the lack of resolution thus far, I am left with no choice but to consider reaching out to the Attorney Generals of Florida and Georgia, namely XXXX XXXX and XXXX XXXX, respectively. I am also contemplating pursuing legal action through the small claims court if a resolution can not be reached.
I kindly request that you investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX and Road Auto Finance for their deceptive, abusive, and unfair practices, as outlined in 15 U.S.C. 1962. Additionally, I urge you to address the violation of 15 U.S.C. 6802, which pertains to the unauthorized sharing of my personal information with third parties without proper written notice.
I appreciate your attention to this matter and look forward to your prompt response. Please find enclosed copies
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| 02/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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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.
Road 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.
Also 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.
Which 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.
Under 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.
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| 02/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I have been trying to notify Road Auto Finance company of the null contract that XXXX has put me in. They will not here me out they have been trying to illegally reposses my vehicle. And ignore my every attempt I AM GOING TO SUBMIT DOCUMENTS BE LOW TO BACK UP MY CLAIMS.
Contract is Void due to the following violations and can no way possibly be denied.
I also have reasonbly belief that XXXX falsified information on finance application of my income to get me approved for Auto loan.
1. Service contract, the service contract was included in my 54 month ( 4.5 year ) finance amount even though the service contract Cleary states ( 3 years ) 2, Dealer fees, the dealer imposed fees for service that are not required by law to be paid by consumers infact the service implied only takes ( maybe 30 minutes ) maybe a are never done again yet I'm am being charged for them for ( 4.5 years ) ( I.e cleaning the vehicle, washing vehicle, topping off fluids. ) All which ARE ALREADY INCLUDED IN TOTAL PRICE OF VEHICLE AS WELL AS NOT REQUIRED IN THE STATE OF FLORIDA 3. TOTAL AMOUNT FINANCE IS INCORRECT!! TOTAL Contract is VOID ALL VIOLATIONS OF TILA, UNFAIR DEBT COLLECTING, AND POOR CONSUMER TREATMENT!!
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes.
These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
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| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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i had an auto loan with road Auto Finance ( XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I was in An accident ant the car was a total loss. i had Gap insurance. My auto insurance company paid for the value of the car and there was XXXX left which the gap is suppose to cover. i was hit with a late payment on my credit report 2 months after the accident. i called and was told that Gap claim was filed and they where waiting payment. I made the payment myself because i wa told i would get reimbursed. thw weeks paased, i called the Gap insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX i spoke to gap department XXXX XXXX and he informed me that my Gap was Canclled by road auto finance on XX/XX/XXXX and that no claim was ever submitted. and he also informed me that they couldnt do that so my question was why did you allow this to happen, i paid XXXX for the Gap insurance when i purshed the car. i would like to be reimbursed and posibly file a criminal comlaint as well
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| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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i already filed a complaint and this company is refusing to refund me my Money for the cancellation of the XXXX insurance. ive been told several different stories.i keep getting told they are waiting for payment from the XXXX. I spoke to the XXXX company and the finance company cancelled my XXXX. all while telling me the XXXX accepted the claim. XXXX XXXX told me that it was closed on therwe end and that there is nothing else they do, they told me the refund comes from Road Auto Finance. there is no Payment coming from the XXXX so why and i been constantly lied to and not my refund issue. its been 4 weeks since the XXXX has been cancelled.
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| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
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| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 02/22/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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