Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: AL

Complaint narrative:
Please audit the company entirely pertaining to my account. I have dealt with consumer protection violations UNABLE TO MAKE PAYMENTS COMPANY IS BLOCKING AN THEN VIOLATING CUSTOMERS RIGHTS Company sometimes doesn't process payments for days or weeks Company hides fees and information Company continues to create hardships on customers Company has violated USC United States Codes * * Driveway Finance Corporation ( XXXX ), an auto finance company ( affiliated with XXXX XXXX in some contexts ), has faced numerous customer complaints and private lawsuits related to car loans, but no major public enforcement actions, fines, or settlements from regulators like the CFPB or FTC specifically targeting widespread legal violations by the company. * * XXXX XXXX XXXX Common Customer Allegations and Potential Violations Customer complaints ( e.g., via XXXX, with over XXXX in recent years ) and lawsuits frequently allege issues in servicing, payments, repossessions, and credit reporting. These often cite federal consumer protection laws, though these are individual claims rather than proven company-wide violations. Key patterns include : - * * Inaccurate Credit Reporting ( Fair Credit Reporting Act - FCRA, 15 U.S.C. 1681 et seq. ) * * : - Furnishing false or contradictory information to credit bureaus ( e.g., reporting repossessions as " charge-offs, '' inconsistent dates/amounts, impossible retroactive changes like shifting dates by years ). - Alleged " illegal re-aging '' of accounts, which improperly extends the time negative information stays on reports. - Failing to properly investigate disputes or mark accounts as disputed. - * * Debt Collection and Servicing Practices ( Fair Debt Collection Practices Act - FDCPA, and related Consumer Financial Protection Act - CFPA/UDAAP standards ) * * : - Suits like * Kinsey v. Driveway Finance Corporation * ( E.D. Pa., 2025 ) invoke the FDCPA for alleged improper collection. - Complaints about misapplied payments, unearned late fees ( e.g., due to system failures not recognizing timely payments ), hidden/undisclosed fees, and threatening collections during active disputes. - Billing errors and failure to investigate under the Fair Credit Billing Act. - * * Repossession Issues * * : - Allegations of wrongful or mishandled repossessions, including after payments were made, improper deficiency balances post-repossession, or failures to follow UCC Article 9 procedures ( e.g., notice, commercial reasonableness of sale ). - Broader CFPB guidance highlights industry problems like repossessing after timely payments or extensions, but no specific action against DFC. - * * Other Contract/Billing Disputes * * : - Payment processing failures, overpayments/refunds not issued ( e.g., after insurance total loss payouts ), and accord-and-satisfaction issues with settlement checks. - General poor customer service, harassment, and system errors. Other lawsuits include * Zloty v. Driveway Finance Corp * ( XXXX. XXXX, XXXX, FCRA ) and contract-related cases tied to dealerships. # # # Key Context - * * No Confirmed Major Regulatory Violations * * : Searches of CFPB enforcement actions, FTC cases, and similar show no specific orders, fines, or consent decrees against XXXX for systemic issues. XXXX is subject to CFPB supervision as a larger nonbank auto finance company, but no public actions appear in results. - * * Individual vs. Systemic * * : Many issues stem from alleged errors in reporting/servicing rather than intentional fraud proven in court. Companies often settle or correct individual cases without admitting liability. XXXX complaints show mixed resolutions, with some resolved via company response. - * * Industry Norms * * : Auto finance frequently sees FCRA/FDCPA complaints, payment application disputes, and repossession challenges. Regulators like the CFPB have acted against others in the sector for similar practices ( e.g., wrongful repossessions, inaccurate reporting ). If you are a customer facing issues, document everything ( payments, communications, credit reports ), dispute inaccuracies directly with XXXX and credit bureaus ( under FCRA ), and consider consulting a consumer attorney for potential claims ( many FCRA/FDCPA cases allow fee-shifting ). Check CFPB 's complaint database or your state 's XXXX for options. Outcomes depend on specific factscourts decide alleged violations case-by-case.

Company response to consumer: Closed with explanation