Consumer complaint received 2022-08-29
Company: General Motors Financial Company, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Re : My response to Consumer Financial Protection Bureau Complaint Case Number : XXXX Response by GM Financial XXXX AmeriCredit XXXX XXXX XXXXXXXX. 
This is my response to your response you submitted to cfpb.gov on behalf of my complaint about the Truth In Lending Act and Regulation Z, Federal Trade Commission Trade Regulation Rules pursuant to 16 CFR 433, and Equal Credit Opportunity Act 15 USC 1691 violations in this consumer credit transaction and consumer credit contract regarding the down payment being included in the finance charge and finance charge being the sum of all charges pursuant to 15 USC 1605 also that insurance was suppose to be included in the finance charge and various other violations in this consumer credit contract provided by you and XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, they swapped the initial deal back for the XXXX XXXX XXXX XXXX XXXX and from the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX had a deal fall through so they said I was approved for it again and we commenced into the consumer credit transaction once again for it, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX told me that the down payment would be included in the finance charge, which should not include anything in an comparable cash transaction including cash also would be a violation of 15 USC 1662 ( 2 ) because the down payment was unique to this transaction and was not customarily arranged in payments, along with warranty and tire plan but not insurance which also should have been included as well, so once XXXX XXXX XXXX sent over the consumer credit contract digitally for me to sign I looked through it and found numerous violations in it 16 CFR 433.2 of the Federal Trade Commission Trade Regulation Rules state that I can assert my rights as a debtor in any aspect of the transaction including before signing for false and deceptive practices, so I made XXXX XXXX XXXX aware of the violations in the consumer credit contract during the consumer credit transaction expressing my rights in good faith about the violations also the down payment he tried forcing me to put down saying that AmeriCredit XXXX XXXX Required it and I got discriminated against which was a violation of XXXX XXXX XXXX ( a ) ( XXXX ) of the Equal Credit Opportunity Act. GM Financial XXXX AmeriCredit XXXX Services responded XXXX XXXX Consumer Financial Protection Bureau saying I was approved for the vehicle loan and that it was the dealership trying to make me put a down payment down which would violate both 15 USC 1605 and 15 USC 1662 ( 2 ). So if I am approved for the vehicle loan and you state that it wasnt required by you to put the down payment, I will go to XXXX XXXX XXXX XXXX XXXX XXXX and finish the deal for the XXXX XXXX XXXX XXXX XXXX, preferably sign digitally since I am working out of state at the moment, and either pick up or have vehicle delivered to my home without any money down to avoid violating the Truth in Lending Act no Adverse Action or unfavorable changes to any of the terms because that would be also a violation of 15 USC 1691 of discrimination after I was already guaranteed approved and I expressed my rights in good faith, or any denials because this would also be the same. I will attach the response letter from which GM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent to the Consumer Financial Protection Bureau as response to my complaint for reference also the affidavit of truth and contract violations I attached to complaint and emailed over to both XXXX Sellers XXXX XXXX XXXX XXXX and GM XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX with no response. I can also send in the audio recording of XXXX XXXX XXXX saying what is included in finance charge. I dont want to be a hassle I just want to conduct business the lawful way and not in a false and deceptive one and get my consumer credit that were to be provided to me for purchase of the XXXX XXXX XXXX XXXX XXXX, I will also cc this to XXXX XXXX XXXX XXXX XXXX XXXX, the Louisiana Attorney XXXX XXXX, Federal Trade Commission XXXX and the Consumer Financial Protection Bureau via certified mail with signature return receipt. 
My contact info is for any responses : XXXX XXXX XXXX. 
XXXX XXXX All rights Reserved, Without Prejudice

Company response to consumer: Closed with explanation