Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
Complainant : XXXX [ Last Name ] Business Complained Against : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, SC XXXX Store Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this formal complaint regarding Auto Money North LLC for multiple, ongoing violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and federal privacy protections. The business has also failed to respond to my previously filed complaint with the Consumer Financial Protection Bureau, which is now past the 15 day response window. 
This complaint includes a detailed timeline, certified mail evidence, call logs, and recordings documenting Auto Money North LLCs unlawful conduct. 
XXXX. Cease & Desist Delivered and Ignored On XX/XX/XXXX and XX/XX/year>, Auto Money North LLC received my written cease and desist request, sent via certified mail to both their corporate office and the Fort Mill store location. 
Delivery confirmations : Corporate Office : Delivered XX/XX/year> at XXXX AM, signed by XXXX XXXX XXXX. 
XXXX XXXX Store : Delivered XX/XX/year> at XXXXXXXX XXXX  I have proof of delivery, including XXXX tracking confirmations and signatures. 
Despite receiving these notices, Auto Money North LLC resumed calling me after a period of silence. 
Documented calls after cease & desist receipt : XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX AM No voicemail messages were left. 
I have screenshots of each call and recordings documenting the violations, which I am submitting with this complaint. 
XXXX. Calls Were Not for Any Statutory Purpose Allowed Under FDCPA If Auto Money North LLC attempts to claim that these calls were made for XXXX of the limited statutory purposes permitted under the FDCPA after a cease and desist is received, their own conduct disproves that claim. 
They left no voicemail, which would have been required if the call was for a legally mandated notice. 
When I returned the call on XX/XX/year>, the representative XXXX made no mention of any statutory purpose, required disclosure, or legitimate reason for the call. 
Instead, she simply statedagainthat no manager was available, which is the same employee who previously released my account information to an unauthorized third party. 
This confirms that the calls were not compliance related, but were instead unlawful attempts to contact me in direct violation of my written cease and desist. 
XXXX. Mishandling of My Account & Refusal to Provide Management Access On XX/XX/year> at XXXXXXXX XXXX I returned the call to the XXXX XXXX store. 
The employee XXXX, who previously compromised my account by releasing information to an unauthorized third party, answered the phone. 
She again stated that no manager was at that location, preventing any escalation or resolution. This contradicts Auto Moneys own corporate structure and demonstrates a pattern of : Avoiding accountability Obstructing consumer rights Mishandling sensitive personal information Failing to provide access to management XXXX. Corporate Office Acknowledged the Complaint but Still Refuses to Act After the store refused to provide a manager, I contacted the corporate office and spoke with XXXX, who transferred me to XXXX. 
XXXX listened to the full complaint, including the cease and desist violations, and still responded with the same scripted line : XXXX, the regional manager, will need to contact you. 
I informed XXXX that the call was being recorded and documented due to the ongoing violations. 
As of XX/XX/year>, I have received no follow up, no resolution, and no acknowledgment from Auto Money North LLC. 
XXXX. Failure to Respond to CFPB Complaint The CFPB notified me that Auto Money North LLC has failed to respond to my complaint after XXXX days, which further demonstrates their disregard for regulatory oversight and consumer rights. 
XXXX. Violations of Federal Law Auto Money North LLC has violated multiple provisions of federal law, including but not limited to : FDCPA Violations 15 U.S.C. 1692c ( c ) Contact after written cease and desist 15 U.S.C. 1692d Harassment and repeated calls 15 U.S.C. 1692f Unfair or unconscionable practices FCRA Violations Failure to correct inaccurate personal information Failure to maintain accurate records Failure to provide updated documentation after being notified of errors Privacy & Consumer Protection Violations Unauthorized disclosure of account information to a third party Failure to provide access to management Failure to provide corrective documentation XXXX. Evidence Submitted I am submitting the following evidence with this complaint : Recordings documenting the cease and desist violations Screenshots of all post cease and desist phone calls Certified mail receipts and delivery confirmations Timeline of all communications Requested Action I respectfully request that the CFPB and BBB : XXXX. Investigate Auto Money North LLCs repeated violations of federal consumer protection laws. 
XXXX. Compel the business to cease all unlawful communications immediately. 
XXXX. Require Auto Money North LLC to correct all inaccuracies in my account and provide written proof of correction. 
XXXX. Hold the business accountable for ignoring a lawful cease and desist order. 
XXXX. Document their failure to respond to the CFPB within the required timeframe. 
Auto Money North LLC has demonstrated a pattern of negligence, noncompliance, and disregard for consumer rights. Their actions have caused significant distress, wasted time, and placed me at risk due to their mishandling of my personal information. 
I request full regulatory review and appropriate enforcement action. 
Respectfully, XXXX [ XXXX XXXX ]

Company response to consumer: Untimely response