Consumer complaint received 2023-02-24
Company: ROAD Auto Finance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation