Consumer complaint received 2020-12-15
Company: NEW CITY FUNDING CORP.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXXXX/XX/XXXXDisputes Department/New City Funding ( mailed, emailed and called ) Re : Final Dispute, Urgent, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX Credit File, SSN XXXX, DOB XX/XX/XXXX To Whom It May Concern : Ive tried my best to be patient and refute an unlawful line recording on my XXXX  file. XXXX  has repeatedly reaffirmed third-party information that is insufficient and unverified as evidence, violating my rights to fair credit reporting, year after year. 

I've already iniated the process to sue New City Funding for violation of Virginia state and federal laws. I request that New City Funding and XXXX  take the following steps immediately : 1. Please provide me with copies of the original signed documents indicating the interest rate as well as the warranty for the items reported by New City Funding, before the latest date allowed by law. This includes contracts and service agreements they claim I signed and the truth in lending disclosures ; 2. This loan was and is unlawful and thus unenforceable in its prolonged, false and unfounded reporting, but also in its origination and continued demand for payments. Per Virginia law, section 6.2-303. ( Effective until XX/XX/XXXX ) Contracts for more than legal rate of interest, as well as Virginia Law Section, 6.2-303. ( Effective XX/XX/XXXX XXXX Contracts for more than legal rate of interest ; 3. The initiating entity that worked as an intermediate party to New City Funding is no longer in business connected to their unlawful operations ; 4. The automobile was not repossessed but was surrendered voluntarily as faulty because it was not drivable and repairs that were required ( but not revealed at the point of sale ) cost more than the vehicle. As such, I returned the automobile with an understanding I wouldnt be responsible for future payments. Two mechanics stated it looked to have water deterioration, common of cars at the site of hurricane/flooding. 
If the aforementioned requested material is not available, please know the validity of the New City Funding entry can not be established. Please remove them from my credit history and discontinue all collections and close file. This auto aas secured in XX/XX/XXXX and I surrendered it a few months later because it could not pass inspection and wasn't drivable. The negative impact this reporting had on my life is immeasurable. I tried to fight back but lost my daughter recently before and was disoriented because of my state of mind. New City Funding and their partner dealership exploited my situation and have continued attempts to collect on this illegal loan. I'm not the person I was this, however. They in fact continue reporting as of the loan is active. That was nearly 7 years ago. This is wrong. 

Thank you for your time and attention to this urgent matter. I hope this can be resolved quickly and fairly because Ive exhausted all attempts and Im now proceeding to legal action. 


XXXX XXXX XXXX XXXX Cc : Law offices, Virginia Attorney General, Consumer Finance Protection, XXXX XXXX XXXX

Company response to consumer: Closed with explanation