Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Fuel Capital Group
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX URGENT REQUEST FOR ASSISTANCE RE : Predatory Auto Lending, Multiple Wrongful Repossessions & Systematic Fraud To Whom It May Concern : I am writing to request immediate intervention regarding predatory auto lending practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX and their dealer partner XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. My vehicle has now been repossessed for the SECOND time, and I have uncovered substantial evidence of systematic fraud and potentially illegal practices. 

On XX/XX/XXXX, I entered into a retail installment contract for a XXXX XXXX XXXX. This contract was procured through multiple fraudulent misrepresentations, and the vehicle has now been repossessed without proper notice. 

I request assistance in unwinding this fraudulent transaction, recovering all monies paid, and stopping these companies from victimizing other consumers. 

1. DOCUMENTED VEHICLE HISTORY FRAUD : a. The dealership deliberately concealed that the vehicle was previously a RENTAL CAR. I have obtained an XXXX vehicle history report that definitively confirms the vehicle was used as a rental in Illinois from XX/XX/XXXX to XX/XX/XXXX. 

b. The dealership explicitly misrepresented the vehicle as XXXX XXXX ( XXXX XXXX on the official contract, with " XXXX XXXX XXXX  '' clearly stated in the " Style '' section. The vehicle is actually XXXX XXXX ( XXXX ). 

c. These material misrepresentations significantly inflated the vehicle 's value and violate Florida 's Deceptive and Unfair Trade Practices Act as well as the Truth in Lending Act 's disclosure requirements.

2. EVIDENCE OF SYSTEMATIC FRAUD : a. I have discovered through the AutoCheck report that XXXX XXXX listed the vehicle in their dealer inventory on XX/XX/XXXX - WHILE I WAS THE LEGAL OWNER WITH A XXXX. This appears to be an attempt to double-sell a vehicle they no longer owned, which potentially constitutes criminal fraud. 

b. The vehicle has two open safety recalls that were never disclosed to me, including one for the fuel tank, potentially creating a safety hazard. 

XXXX XXXX XXXX either failed to conduct basic due diligence on this transaction or knowingly participated in financing a fraudulent sale. 

3. DECEPTIVE CONTRACT STRUCTURE : a. After a high-pressure sales session that lasted until nearly XXXX XXXX, the contract was structured to conceal what happened to my down payment. 

b. The contract showed an initial price of {$22000.00}, but after supposedly applying my {$5000.00} down payment, the amount financed was {$22000.00} - a reduction of only a few XXXX dollars. 

c. This mathematical manipulation effectively concealed that my down payment was being absorbed by an unauthorized $ XXXX warranty charge that I had explicitly declined. 

4. PATTERN OF WRONGFUL REPOSSESSIONS : a. FIRST REPOSSESSION : Within the initial 30-day period before any payment was even due, XXXXXXXX XXXX  XXXX XXXX the vehicle as retaliation after I questioned contract discrepancies. They demanded additional funds plus arbitrary repossession fees despite having agreed to give me 30 days to pay the remainder of the down payment. 

b. SECOND REPOSSESSION : The vehicle has now been repossessed again without proper notice. 

XXXX. PREDATORY SERVICING PRACTICES : a. 100 % of payments applied to interest with no meaningful principal reduction b. After making multiple payments totaling over {$4000.00}, my payoff amount increased to {$23000.00} from the original {$22000.00} loan XXXX This payment structure creates an inescapable debt trap in violation of federal consumer protection laws I believe these actions violate : - The Truth in Lending Act - The Fair Debt Collection Practices Act - UDAAP prohibitions ( Unfair, Deceptive, or Abusive Acts or Practices ) - The Equal Credit Opportunity Act ( targeting vulnerable consumers ) - Federal prohibitions against Unfair Debt Collection Practices I request that the CFPB : XXXX. Take immediate action to prevent auction of the repossessed vehicle XXXX. Investigate XXXX XXXX 's partnership with XXXX XXXX XXXX. XXXX complete rescission of the fraudulent contract XXXX. Require restitution of all monies paid ( XXXX ) XXXX. Pursue appropriate penalties for these systematic violations Given the second repossession and risk of auction, time is of the essence. Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX. XXXX vehicle history report confirming rental history and dealer relisting while under XXXX XXXX. Copy of Retail Installment Contract showing " XXXX XXXX XXXX  '' misrepresentation XXXX. Payment history screenshots showing improper application XXXX. Account summary demonstrating predatory structure XXXX. Text message communications revealing deceptive practices XXXXXXXX XXXX  reviews showing pattern of similar misconduct

Company response to consumer: Closed with explanation