Consumer complaint received 2023-01-06
Company: Self Financial Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX BILLING ERROR AFFIDAVIT NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT The undersigned Affiant, XXXX XXXX, herein after " Affiant '', does solemnly swear, declare and state as follows : Pursuant 12 CFR 1026.13 -Billing error resolution I XXXX XXXX dispute account number XXXX, Loan # XXXX, CD # XXXX in the amount of $ XXXX {$520.00} have Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where XXXX  XXXX  awarded me XXXX XXXX with any payment pertaining to this alleged debt. 
Pursuant 15 U.S. Code 1666 ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and who's obligation it is to pay the alleged debt on this account XXXX, Loan # XXXX, CD # XXXX Until then XXXX XXXX  can not report late payments in accordance with regulations of the Bureau 12 CFR 1026.13 ( d3 ).

Pursuant 15 U.S. Code 1666b ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 4 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute.

Pursuant 12 U.S. Code 5562 ( c ) ( 10 ) money audit trial production of document material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter, without this documentary evidence there can be no validation of said debt.

Pursuant 12 U.S. Code 183 In ( 2 ) ( A ) GAAP audit trial Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP audit trail in accordance with 12 U.S. Code 1831n ( 2 ) ( A ) and without this documentary evidence to properly address subject matter there can be no validation of said debt.

Pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) A contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void.

Notice it is fact in accordance with 16 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the affect of limiting a consumer such as I XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. In fact a contract that has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. 
I the affiant has reason to believe and do so believe XXXX  XXXX  has not meet all requirements established in 16 C.F.R. 433.2 ( a ). 
I XXXX XXXX XXXX R, owner of the consumer XXXX XXXX XXXX XXXX XXXX XXXX cestui que trust ) account with XXXX XXXX XXXX  Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for ( Personal, Family and Household purposes ). I have a billing error on the credit account Pursuant to 15 U.S. Code 1666 - Correction of billing errors Pursuant to 15 U.S Code 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account.

( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

I hereby have attached all supporting documents to this claim for credit/interest which is the Certification of Beneficial Ownership Form pursuant to ( Title 31 CFR 1020.230 ) of United States Code also, Certification of Trust ( Pursuant to 760 ILCS 5/8.5, eff. 8/10/2015 ) ( Pursuant to 26 CFR 301.7701-7 ) of Untied States Code. Power of Attorney, DBA, Agent Certification, Certificate of Live Birth, Affidavit of Beneficial Ownership, Promissory note to tender for payment in full and XXXX XXXX  installment instrument with endorsement on behalf of the principle.

Company response to consumer: Closed with explanation