Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, Financial Harm, Defamation, and Consumer Rights Violations To Whom It May Concern, I am submitting this formal complaint against XXXX for engaging in deceptive, unethical, and abusive business practices. Their actions have resulted in significant financial harm, emotional distress, defamation of character, and a negative impact on my XXXX XXXX. Below is a detailed timeline and supporting evidence of their misconduct. 


Timeline of Events and Violations : 1. **Misleading Pre-Approval Communications : ** XXXX sent me daily emails claiming that I was " pre-approved '' for a vehicle purchase, encouraging me to invest time and resources into the transaction under false assurances. Despite following every directive, both of my legitimate applications were denied without valid reasons. 

XXXX. XXXX XXXX XXXX XXXX ( XX/XX/year> ) : ** - I fully complied with all documentation requests, including submitting proof of insurance, drivers license, phone records, and personal identification information. 
- Deposited ** $ XXXX into XXXX account. 
- Despite submitting the documents before the deadline, XXXX falsely claimed I missed it and canceled the transaction without valid justification. 
- I provided evidence of timely submission, including screenshots and emails. 

XXXX. XXXX XXXX XXXX XXXX ( XX/XX/year> ) : ** - I complied again, paying an additional deposit, purchasing a second insurance policy, and submitting all required documentation. 
- Despite providing all requested documentation promptly, XXXX rejected the transaction again, falsely claiming the documents could not be verified. 

XXXX. **Unauthorized Credit Inquiries : ** XXXX conducted multiple hard credit inquiries for both purchase attempts, which negatively impacted my XXXX XXXX, despite no valid justification for the denials. 

XXXX. **Withholding of Funds : ** XXXX withheld my ** {$13000.00} deposit** for an extended period without valid justification, causing undue financial hardship. This amount was not refunded until I escalated the matter with multiple formal requests. 

XXXX. **Defamation of XXXX : ** XXXX sent me a **Cease and Desist letter** falsely accusing me of harassment and potentially providing misleading documentation. These baseless allegations have caused reputational harm and emotional distress, particularly harmful given my role as CEO of an international organization. 

XXXX. **Violation of Consumer Protection Rights : ** XXXX 's actions appear to violate the **Fair Credit Reporting Act ( FCRA ) ** and other consumer protection laws by mishandling my personal data, conducting unauthorized credit inquiries, and failing to provide transparency around their reasons for denying financing. 

**Supporting Evidence : ** - Copies of payments made for XXXX vehicles and insurance policies. 
- Proof of insurance coverage from XXXX for both vehicle attempts. 
- Email communications with XXXX dispute team, including XXXX formal escalation requests**. 
- XXXX baseless **Cease and Desist letter** attempting to intimidate me rather than address valid concerns. 
- Proof of timely submission of documentation before any stated deadlines, including screenshots and emails. 
- Records of unauthorized hard credit inquiries affecting my XXXX XXXX. 


Requested Actions : - XXXX removal of unauthorized hard credit inquiries from my credit report. 
- A full investigation into XXXX lending, consumer verification, and marketing practices. 
- Compensation for financial damages, emotional distress, wasted time, and reputational harm. & XXXX for insurance policies and wasting my time away from my business. 
- A formal retraction of defamatory claims and a public apology. 
- XXXX actions ensuring XXXX ceases deceptive marketing tactics and adheres to all consumer protection laws. 

Conclusion : This complaint seeks justice not only for my personal experience but also to protect other consumers from experiencing similar mistreatment. I respectfully request that the CFPB, FTC, and relevant agencies conduct a thorough investigation into XXXX practices and hold the company accountable for any violations of consumer protection laws.