Consumer complaint received 2018-09-26
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/XXXX, XXXX XXXX XXXX accepted and processed a loan contract bearing a forged signature of my name for the purchase of a XXXX XXXX XXXX. I became aware of this account showing as a repossession of a vehicle that I never had possession of by XXXX XXXX during a background check for security clearance with the XXXX. I immediately contacted XXXX in writing via mail on XX/XX/XXXX requesting all documentation in relation to this account. I received documents from XXXX via mail on or about XX/XX/XXXX that were very unfamiliar to me. I also noticed that the contract they attached to the letter and were trying to hold me accountable for did not bear my signature. When looking further at the contract, I connected the dates to the co-signer credit application to XXXX XXXX XXXX for a vehicle on or about XX/XX/XXXX for XXXX XXXX XXXX. This application was submitted via fax from Georgia, which has been my duty station assignment with the XXXX since XX/XX/XXXX. I never visited this dealership. After further inquiry, it was found that without my consent, a contract containing my forged signature was submitted by XXXX XXXX XXXX to XXXX  for acceptance of a loan and terms I had not reviewed or agreed to. In addition, I also noticed that my contact information to include my name and address were originally typed in the buyer section of the contract, but then a line was drawn through it and replaced with the contact information of XXXX XXXX XXXX, which included her phone number and address of XXXX XXXX XXXX XXXX XXXX TX XXXX. An address I have never resided at and a phone number that was not mine. I have never lived in the state of Texas. On XX/XX/XXXX, I also phoned XXXX XXXX XXXX at XXXX and was told I could direct all questions regarding documentation on a vehicle purchase to the business manager, XXXX XXXX. Via USPS Priortiy Mail, on XX/XX/XXXX, I sent a letter to XXXX at XXXX XXXX requesting all documents in reference to the purchase of the said vehicle. I received confirmation that this letter was delivered, but she has yet to respond to my request. On or about XX/XX/XXXX, I also filed a police report in XXXX  via phone in reference to the matter, but was advised a couple of weeks later that the statue of limitations for this type of forgery had passed and no criminal charges would be pursued by their District Attorney. On XX/XX/XXXX, I submitted a complaint with the Texas OCC against XXXX XXXX in reference to this matter. On or about XX/XX/XXXX, I received a phone call from a person who addressed themselves as a XXXX representative from phone number XXXX in reference to Texas OCC complaint. I felt as if I was trying to be coerced into statements that were not true, so I sent a letter via USPS mail on XX/XX/XXXX advising XXXX to only contact me via mail or email in reference to this matter, as well as advising them that the I did not sign a contract agreeing to pay this loan. On XX/XX/XXXX, I was called by a person whom addressed themselves as a representative of the Texas OCC from phone number XXXX, the same number as the person who phoned me from XXXX 14 days prior. This person questioned how did XXXX XXXX have a credit application with my employment/income information, and I advised them that I applied for credit, but I did not sign any documents accepting any loan terms agreeing to the purchase of a vehicle. The Texas OCC complaint number is XXXX. I have also filed complaints against XXXX XXXX and XXXX with the Texas State Attorney General Office. I have also disputed the information to the three major credit bureaus in which XXXX still continues to report even though I did not sign a contract accepting a loan for the purchase for the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation