|
6333224
|
2022-12-17
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
No
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2022-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-17
|
| Complaint What Happened |
USAUTO Servicing has threatened to repossess my vehicle as of XX/XX/XXXX after continuing to contact them requesting a payment plan, deferment, or extension to catch up on my payments. Since COVID, I have been faced with financial hardship, loosing my home having to stay in hotels back in XX/XX/XXXX, was able to find an apartment in XXXX. Started working and unfortunately was laid off my job in XXXX of XXXX. I started rcving unemployment benefits which helped me continue to make payments which ended in XX/XX/XXXX. My childrens father assisted with paying for a month when we relocated to another city but it became a hardship on him. We came back to XXXX in XXXX, the vehicle then started to have mechanical issues, starter went out ( {$450.00} ) I'm XXXX which they were able to provide one deferment for bc they were unable to pay for repair bc I was out of warranty. I am borrowing money at this time to repair the vehicle bc the vehicle is the only thing I currently have that's helping me. XXXX another Mechanical issue ( {$250.00} ). Started working XX/XX/XXXX, contacted them advising I started working, changes in my pay, and repairs, they advised due to the acct being 53 days past due the vehicle will be up for repossession as of XX/XX/XXXX. They are unable to provide a deferment due to the one I got in XXXX and the for the hurricane that just came. If USAuto repossess this vehicle it will cause a major financial hardship and cause major damage to my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5131799
|
2022-01-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-20
|
| Complaint What Happened |
US Auto Finance is reporting an acct that is not mines in my credit report. It belongs to a family member with a similar name. Please correct and remove from my credit profile.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6996150
|
2023-05-19
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2023-05-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-19
|
| Complaint What Happened |
US auto finance is who I leased my car through. My car was stolen and damaged back in XX/XX/2022, my car insurance company paid XXXX of the dollars off then I was told that my cpi was going to cover the rest of the payment and it should be updated on my credit report in XXXX of XXXX which never happened. I constantly reached out to the company so then they told me that it would be a charge off on my account in XXXX of XXXX and that never happened as well I have been goin back in fourth with this company going on a year now about the removal from my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5415280
|
2022-04-06
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
No
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2022-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-06
|
| Complaint What Happened |
I have had my fill of this predatory XXXX company. I had an issue with my bank and reached out to these low life XXXX who have no capacity for compassion and rather than do what I was asking them to do and allow me to make a double payment on my next payment date, they basically said XXXX you its all about our selfish good for nothing bottom line. They have basically forced me to XXXX my savings account to satisfy their insatiable greed
|
| Consumer Consent Provided |
Consent provided
|
|
|
5934073
|
2022-08-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2022-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-31
|
| Complaint What Happened |
This is a warning notice to the alleged violator of such debt. After an extensive review of my consumer report I noticed I have violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of subside, deceptive and unfair debt collection practices. Not only did you furnish this information to the reporting agencies without my consent, nor did you take the proper steps to verify that this information is accurate. Which is it NOT! 15 USC 1681s-2 You also listed this alleged debt as a charge off. How can you collect on a cancelled debt that is also considered income? Also, income should not go on a consumer report at all. This also means that you filed this as a loss with the IRS and received compensation for it. This also means that I should have received sa 1099 to file, BUT I DIDN NOT! This is a violation of 26 USC 61-64. I also never received a notice that this information would be furnished on my report. You are supposed to contact me within 30 days, no later before furnishing the negative remarks. This is not all, but just s few of the violations that I am bringing to you US AUTO FINANCE XXXX XXXX and the CFPBs attention.
I am requesting to be provided with the written contract between me and you US AUTO FINANCE XXXX XXXX giving you the right to access my personal information and to also furnish this information. I would also like the original written contract with myself and US AUTO SALES. I will also need a full audit trail. I am needing the actual physical documentations to support the information that is being reported on my consumer report. Screenshots and statements will not suffice.
I expect to receive a response within 15 days of receipt of this letter, or I will expect that the item in question will be permanently expunged from my record : Best Regards, Done in good faith. Without prejudice. All natural inalienable rights reserved.
XXXX : XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2917927
|
2018-05-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Auto debt
|
| Date Received |
2018-05-25
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-31
|
| Consumer Consent Provided |
N/A
|
|
|
6879859
|
2023-04-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6233874
|
2022-11-22
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-22
|
| Complaint What Happened |
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : US Auto Finance US Auto # XXXX balance XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5165606
|
2022-01-30
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2022-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-30
|
| Complaint What Happened |
I got a loan on the vehicle in XXXX right before the coronavirus pandemic. Everything was in line until the XXXX XXXX cause my job to cut hours and then not being eligible for any XXXX relief checks I fell extremely behind due to me XXXX XXXX as well during this time which caused me to be outta work for a month. And I struggled continuously to catch back up and still kept falling behind. I explained this to us auto sales and I have drained all my back payments they can offer. Then currently in XXXX I XXXX XXXXXXXX again within the time of me starting a new job and I explained this to us auto sales and they told me to either pay what I owe or there coming to reposes the vehicle. I just need them to be patient with me and there not understanding my circumstances. Please could you help me in this matter. Thank you!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6314704
|
2022-12-13
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
No
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2022-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4037210
|
2020-12-29
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Loan
|
| Date Received |
2020-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-29
|
| Complaint What Happened |
Us auto sales sold me a car that had a recall on it. When it broke down I could not afford to pay it and fix the vehicle so I had no Choice but to let it be repossessed. They got it in XXXX XXXX. it was supposed to be sold in auction and I be notified of what it sold for and balance. Never received anything! Here it is XXXX and this company is still reporting on my report as if I still have the vehicle. I thought after 120 days a company has to report it as charged off on my report? Its not in charged off status on my report! Why?
|
| Consumer Consent Provided |
Consent provided
|
|
|
6965323
|
2023-05-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-11
|
| Complaint What Happened |
I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to XXXX on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4931049
|
2021-11-19
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
No
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-19
|
| Complaint What Happened |
After paying US AUTO SALE {$400.00} a month since XX/XX/XXXX. The XXXX XXXX XXXX that was purchased for XXXX equal XXXX, XXXX. I would call the automated system to make the payment. The representative informed that it didn't include the insurance payment. After making a balloon insure payment of {$900.00} I was once again back on track. Asked the company for a pay off on the loan back in XXXX representative said that it was XXXX to pay off the car. I called back again in XXXX asked for a pay off on the same care it was XXXX. I have paid for this car twice and they still came an repossessed the car after I was supposed to be on an deferment. This is the most illegal company I have ever did business with. Please assist the car is still showing as an outstanding balance of XXXX on my credit report after vehicle was sold at auction. Monthly payment on credit report is XXXX which is not the terms agreed a pond and car report for loan listed at XXXX terms also not agreed a pond
|
| Consumer Consent Provided |
Consent provided
|
|
|
4908259
|
2021-11-13
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-27
|
| Complaint What Happened |
This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
US AUTO FINANCE/US AUT XXXX Balance {$0.00}
|
| Consumer Consent Provided |
Consent provided
|
|
|
4462584
|
2021-06-15
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3350459
|
2019-08-22
|
Confusing or misleading advertising or marketing
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Confusing or misleading advertising or marketing
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Money order
|
| Date Received |
2019-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-22
|
| Complaint What Happened |
USA AUTO SALES HAVE A REFERRAL PROGRAM WHERE WHENEVER A CUSTOMER REFER ANOTHER CUSTOMER AND THEY PURCHASE A CAR THEY SEND A CHECK FOR {$200.00} TO THE PRIMARY CUSTOMER THAT REFERS THE NEW CUSTOMER. HOWEVER THIS IS THE SECOND TIME THAT IVE HAD AN ISSUE WITH THEM ABOUT THE SITUATION. I HAVE FOLLOWED ALL PROCEDURES OF GUIDELINES OF WHAT THEY ASKED BUT YET THEY ARE LYING AND KEEP GIVING ME THE RUN AROUNDS ABOUT THE SITUATION.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4121428
|
2021-02-05
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with the interest rate
|
| Sub Product |
Loan
|
| Date Received |
2021-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-05
|
| Complaint What Happened |
I was in dyer need of a vehicle because the one I had was giving me some issues and I have a lot of medical appointments at the va and so does my wife as well. So I trade in my XXXX XXXX and they told me that they will give me XXXX dollars, I accept and they also took from another XXXX dollars. Now, I got the vehicle and now I went to different other dealers to trade it and the value of the vehicle is XXXX dollars and my balance is XXXX dollars and I have been making payments and I dont know where my money is going. I made several calls to talk with agents and they were very rude by saying didnt you read your contract. Didnt you sign it I mean they were so rude to me. I said ok, I have always made my payments on time and I also tried to refinance with my credit union, XXXX and XXXX XXXX XXXX and they both told me that they can not do it because the value of the vehicle is too low and I am in a big negative XXXX dollars. How can a company do that to its customers and especially us XXXX veteran. How can the law allows such a practice from a company.
Now, this morning, this is the moment that I decided to submit a complaint and I will also ask the veterans affairs for legal help to file a law suit against this company. I woke up this morning at XXXX XXXX to start my vehicle because my wife have a XXXX XXXX at XXXX XXXX at the va hospital and my vehicle will not start and I never been late except this month for only 4 days and every company gives their customers 5 days or more grace period but this company did not and killed switch my vehicle for being late for 4 days when I have so much to worry about my wife health conditions and her XXXX. I will attach her medical documents so you can see how unjust is this company, how shady they are and should not be in business.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4746693
|
2021-09-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5645025
|
2022-06-07
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem related to refinancing
|
| Sub Product |
Loan
|
| Date Received |
2022-06-07
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-21
|
| Consumer Consent Provided |
N/A
|
|
|
1795944
|
2016-02-19
|
Incorrect information on credit report
|
Credit reporting
|
|
| Issue |
Incorrect information on credit report
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Credit reporting
|
| Sub Issue |
Information is not mine
|
| Date Received |
2016-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-03-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file immediately!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6204066
|
2022-11-14
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
U.S. Auto Sales Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Auto debt
|
| Date Received |
2022-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-14
|
| Complaint What Happened |
To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with US AUTO SALES. I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. US AUTO SALES had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. US AUTO SALES has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. Charges-off 's ( canceled debt ) is defined as INCOME. INCOME does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also sent this complaint to the attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights Reserved.
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| Consumer Consent Provided |
Consent provided
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5428977
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2022-04-10
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Attempts to collect debt not owed
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Debt collection
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| Issue |
Attempts to collect debt not owed
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| Timely |
No
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| Company |
U.S. Auto Sales Inc.
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| Product |
Debt collection
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| Sub Issue |
Debt was paid
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| Sub Product |
Auto debt
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| Date Received |
2022-04-10
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-04-10
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| Consumer Consent Provided |
Consent not provided
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4489722
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2021-06-24
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Struggling to pay your loan
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Vehicle loan or lease
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| Issue |
Struggling to pay your loan
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| Timely |
Yes
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| Company |
U.S. Auto Sales Inc.
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| Product |
Vehicle loan or lease
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| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
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| Sub Product |
Loan
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| Date Received |
2021-06-24
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-06-24
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| Consumer Consent Provided |
Consent not provided
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