Consumer complaint received 2018-08-06
Company: STATE FARM BANK, FSB
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Please accept this letter as formal request for review of the XXXX XXXX XXXX XXXX internal investigation findings cited in the unfavorable Notice of Denial dated XX/XX/2018 ( Exhibit B ). The Respondent Notice of Denial dated XX/XX/2018 ( Exhibit B ), is direct evidence of malicious unlawful deceptive business practices. Regrettably, I am writing to petition enforcement relief. XXXX XXXX XXXX XXXX engaged in deceptive unlawful business practices willfully disregarding material evidence ( Exhibit A ) obtained during the course of its self-reporting internal collision coverage investigation. XXXX XXXX Insured and XXXX XXXX, Insured suffered irrecoverable undue harm due to the Respondents unlawful business practices the harm is continuous. XXXX XXXX, Insured and XXXX XXXX, Insured request that the Respondents unfavorable XX/XX/2018 ( Exhibit B ), decision be vacated, relief awarded, and that a favorable decision be rendered on the current record in lieu of the Respondents abusive unlawful deceptive business practices in violation of. XXXX XXXX XXXX XXXX, Property Claims Specialist Division called the insured XX/XX/2018 ( Exhibit C ), to review Respondent internal investigation findings on the record. The Respondent Property Claims Specialist Division conducted a reading of statutes, citing Respondent fiduciary obligation to conduct an impartial self-reporting internal recovery investigation via authority granted the entity by the NC Department of Insurance. During the XX/XX/2018 ( Exhibit C ), evidentiary inquiry the Respondent stated on the record that Property Claims Specialist Division obtained all material communiqu from the office of XXXX XXXX, XXXX XXXX XXXX ( Exhibit A ). The Respondent abruptly disconnected the evidentiary review call XXXX Exhibit C ) when the insured attempted to have the Respondent cite material evidence on the record ( Exhibit A ). The Respondent denied the insured request for recovery XX/XX/2018, ( Exhibit 2/A ). In verbal and written on the record communiqu the Respondent cited an internal self reporting investigation conducted during the relevant period XX/XX/2018, to XX/XX/2018, ( Exhibit 1/B ). The Respondent affirmed the unfavorable XX/XX/2018, collision recovery determination rendering egregious collision coverage Notice of Denial dated XX/XX/2018 ( Exhibit 1/B ). The Notice of Denial dated XX/XX/2018 ( Exhibit B ), direct evidence demonstrates that the Respondent engaged in further escalating unlawful malicious deceptive business practices by failing to cite or exhibit relevant material favorable evidence for the insured ( Exhibit A ) ; subsequent to the XX/XX/2018 ( Exhibit C ), Property Claims on the record telephone evidentiary review. The Respondent supplied evidence dated XX/XX/2018 ( Exhibit 1/B ),  demonstrates completion of an internal investigation this direct evidence demonstrably demonstrates unlawful abuse of self-reporting enforcement privileges. The Respondent willfully subjected the insured to permanent undue harm completing and internal investigation XX/XX/2018 ( Exhibit 1/B ) that failed to acknowledge material favorable evidence for the insured dated XX/XX/2018 XXXX XXXX ( Exhibit 1/A ) regarding XXXX XXXX Policy XXXX ; G collision coverage ( Exhibit 2/A ). Material  evidence irrefutably demonstrates XXXX XXXX contacted the Respondent XX/XX/2018, XXXX XXXX  ( Exhibit A ) to verify XXXX XXXX Policy XXXX ; G collision coverage. Direct evidence demonstrates Respondent XX/XX/2018 ( Exhibit A ), verification of XXXX XXXX Policy XXXX ; G collision coverage subsequent to Exhibit ( Exhibit 2/B ).

Company response to consumer: Closed with explanation