Product: Vehicle loan or lease

A consumer credit transaction isany loan, lease or sale under {$25000.00} primarily made for a personal, family or household purpose on which a finance charge is or may be assessed, or is payable in more than four installments. My loan amount is XXXX dollars. 15 usc 1679a2 Regulation Z- The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. You ONLY pay a finance charge for money that was given to you and not for an Auto loan that finance ALREADY PAID FOR and I left the car dealership with a vehicle.leads me to my down payment of XXXX dollars for the car that wasn't needed if the " loan '' of the car was already paid by the auto finance company. 15 usc 1605 basically states that down payments are illegal. Under Regulation Z- Charges imposed on a creditor by another person for purchasing or accepting a consumer 's obligation, if the consumer is required to pay the charges in cash, as an addition to the obligation, or as a deduction from the proceeds of the obligation. So I assume US auto Sales was charge the finance charge and is making me pay for it. US Auto Sales added outrageous fee such as XXXX dollar service contract. Also 15 usc 6803 disclosure of institution privacy policy, I never get written permission for US Auto Sales to run my credit report. Another violation! To furthermore, I will execising my Right to Rescind since I never was given a Cancelation letter the date I " purchased '' the vehicle. Regulation Z ( 12 CFR PART 1026.23 ) I have up to 3 years from purchased date. I got the car XX/XX/XXXX, I have until XX/XX/XXXX and toady is XX/XX/XXXX. Under the same USC I have my Right to a full refund within 10 business and the XXXX business I have all right to keep the vehicle if US Auto Sales doesn't comply. The consumer may exercise the right to rescind until midnight of the third business day following the occurrence described in paragraph ( a ) ( 1 ) of this section that gave rise to the right of rescission, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, XXXX whichever occurs last. If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. If thecreditorhas delivered any money or property, theconsumermay retain possession until thecreditorhas met itsobligationunderparagraph ( d ) ( 2 ) of this section. When thecreditorhas complied with that paragraph, theconsumershall tender the money or property to thecreditoror, where the latter would be impracticable or inequitable, tender its reasonable value. At theconsumer 's option, tender of property may be made at the location of the property or at theconsumer 's residence. Tender of money must be made at thecreditor 's designated place of business. If thecreditordoes not take possession of the money or property within XXXX calendar days after theconsumer 's tender, theconsumermay keep it without furtherobligation. I like my full refund of my down payment and the money I have paying for the car for the past 3 years. The total cash price US Auto Sales has me paying for the vehicle is {$36000.00} cents and I checked on XXXX XXXX XXXX and the car is only worth {$6000.00} I'm basically paying XXXX that for the duration of the loan. If I don't get a response I WILL GET A PROPER LAWYER AND SETTLE THIS MATTER IN COURT BUT I THINK US Auto Sales and I can come to an agreement. 
Best Regards, US Auto Sales Inc XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Leinholder- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX