Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRONTO FINANCE INC. (TX)

I am making a complaint against pronto finance and XXXX XXXX XXXX XXXX XXXX. 
in XXXX of XXXX, I was contacted via phone on my work phone at XXXX XXXX XXXX about being a reference for my ex-husband XXXX XXXX for a vehicle he was trying to buy through XXXX XXXX XXXX XXXX XXXX. I agreed to be a reference I then was contacted by my ex-husband XXXX XXXX stating that he had to have a cosigner for the vehicle I told him I was not comfortable with doing that. 
In XX/XX/XXXX, I received documents from pronto finance and my name was on these contracts or paperwork as being a buyer. I received many phone calls from XXXX XXXX between the months of XX/XX/XXXX and XX/XX/XXXX, I assumed it was in regard to assisting my ex-husband with buying a vehicle. I was contacted by XXXX XXXX, a manager stating that there were some signatures that were needed and some information that was needed for the vehicle ; After going back and forth I did not let the manager know my sole purpose for coming to the car lot was to look at the documents that they had in their possession. I noticed that the documents that they had in their possession had no actual wet signature or my signature. The signature or names that were on these documents were either printed or had been taken from a computer PDF file. 
After not getting the desired results from XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XX/XX/XXXX after numerous of calls from XXXX XXXX stating that I was late on a payment for a vehicle contract number XXXX  XXXX. I requested to speak to a manager I was transferred to XXXX XXXX. XXXX XXXX was very rude she did not accept the statements I made, I continuously stated until they repossessed in XXXX, I stated the vehicle that I did not agree to be a buyer, I was not making payments I have never made any payments, I did not drive and did not ever drive the vehicle, and I also stated that the vehicle was never ever housed at my location ( s ) or residence I requested Pronto Finance produce a signed contract via e-mail on XX/XX/XXXX ; I submitted my driver 's license and a signed Social Security number to show the consistency and my signature. 
I received a response from XXXX XXXX stating that if I was concerned about the signature not being mine that I should have my attorney contact them. 
Pronto finance has taken it upon itself to report this to the credit bureau ( s ), after speaking with my ex-husband at length it is my understanding that they repossessed the vehicle in XX/XX/XXXX they sold the vehicle in XX/XX/XXXX for less than 80 % of the vehicles worth. The credit report also reflects discrepancies and payments, discrepancies in amount old, also the pronto finance continue to report missed payments six months after procuring the vehicle and selling it. 
I also was told by my ex-husband XXXX XXXX that there was damage to the vehicle when they repossessed it from his residence, my ex-husband stated pronto finance was aware that the vehicle was not in my possession and was aware that I was not the buyer, my ex-husband XXXX XXXX also stated that pronto finance was very much aware that I did not make any payments for the vehicle or insurance and it was not housed where I reside or can be located. My ex-husband XXXX XXXX also stated that he told Pronto Finance on several occasions not to contact me because I am not the buyer or the person that has possession of the vehicle.