Consumer complaint received 2021-08-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services (OH)

Complaint:
I myself only speaks for myself and act on behalf of my only. It is a fact that I am the consumer in fact as defined by law, It is a fact that my consumer rights have been violated so be it. On XX/XX/XXXX I initiated in the purchase of a vehicle with XXXX XXXX XXXX and shown intrest in a vehicle and I asked how there process work for me to purchase on credit and immediately they began talkin about submitting a credit application and stating that the credit application is a loan application. The false and misleading representations started here. It is to my knowledge that there are no statue of limitations on fraud. I was told to put cash down as a deposit and downpayment to prevent them from giving another party interest in the vehicle. On XX/XX/XXXX, i returned to purchase the vehicle on credit but was told to do a credit application with there financial institution which is ( lendmark financial ). I entered into the consumer credit transaction with lendmark and they began immediately giving me false and misleading forms and using deceptive tactics to coerce payments from me that I believe is against the law under the FAIR DEBT COLLECTION PRACTICE ACT. I have the original bill of sale from XXXX XXXX XXXX that shows the vehicle is paid off and I owe nothing on the vehicle as well as a receipt showing they took XXXX $ cash from me which is a believe against the law under the truth in lending act. The bill of sale also states that there will be no liens on the vehicle but named lendmark as the lien holder on the vehicle. After which Lendmark coerce me into signing misleading and deceptive forms, one of them specifically states that they will be giving me proceeds of a loan that i will pick up from them which left me more confused and felt as if im being taken advantage of. I was applying to purchase a vehicle on credit and they forced a loan on me and the proceeds of that fraudelent loan was a {$15.00} check that I can and will upload. It is a fact that I do not consent to this fraudulent loan nor do I intend or paying it. Lendmark then proceeds to place an illegal lien on my vehicle attemptig to coerce payments to be made and used a lot of obscene and profane language on documents and sending me post cards stating that I owe a debt of over {$12000.00} which is false, I will be making follow up reports to the attorney general, federal trade commision, office of comptroller of currency and seeking litigation through XXXX District of Ohio court for all the harm and damages that have been done to me ( the consumer ). Please be advised my cease and desist is included : Cease and Desist It is a fact that I am the consumer and this is a communication to cease and desist pursuant to 15 usc 1692 ( C ) c. Pursuant to 15 usc 1692 ( C ) c 2 I am invoking my specified remedy as the creditor and pursuant to 15 usc 1692 ( c ) c1, I advise you to terminate all further collection efforts. Furthermore, pursuant to 15 usc 1692cc3 I demand that you XXXX  out the balance on this account numbered XXXX / vehicle ( XXXX XXXX XXXX ). Return my {$1000.00} down payment ( cash deposit ) in the form of a certified check to XXXX XXXX XXXX, XXXX ohio XXXX, with the vehicle title lien free and report to the consumer reporting agency that there is a XXXX  balance on this account as well as sending separate check in the total of {$40000.00} for violating my federally protected consumer rights. Please be advised you are on such notice ; complaint has been sent to federal trade commission and consumer financial protection bureau ; the ohio attorney general and United States XXXX district of Ohio court will be notified as well. Notification shall be complete upon receipt. Date of notice is XXXX day of XX/XX/XXXX.

Company response to consumer: Closed with explanation