Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: TX

Complaint narrative:
THIS IS A FORMAL FOLLOW-UP AND EVIDENCE SUBMISSION FOR COMPLAINT ID : XXXX. New forensic hardware and securities fraud data have been discovered. 

To : Consumer Financial Protection Bureau ( CFPB ) This is a formal rebuttal to the bad-faith response provided by Veros Credit LLC regarding Complaint ID : XXXX, concerning a XXXX XXXX XXXX XXXX ( XXXX : XXXX Loan : XXXX. The Companys response is a strategic attempt to minimize a documented pattern of fraud by focusing on payment timing. My forensic audit proves that Veros Credit is utilizing undisclosed surveillance and " Remote-Kill '' technology to operate an unconscionable debt trap that violates federal, XXXX, and XXXX  law . 

XXXX. The " 211.9 % Extraction '' and Abusive Servicing ( Violation of 12 U.S.C. 5531 ) Veros Credits " late payment '' defense is a mathematical smokescreen. Based on the Companys own internal ledger and a verified XXXX  Credit Report, the capital extraction is as follows : Total Cash Extracted to Date : {$40000.00} ( Inclusive of {$4000.00} down payment and {$36000.00} in post-closing payments ). 
Asset Cash Price : {$24000.00}. 
Current Balance Claimed ( XXXX  ) : {$12000.00}. 
Total Projected Extraction : {$52000.00}. 
Demanding {$52000.00} for a {$24000.00} vehicle represents an extraction of 211.9 % of the asset 's value. This was achieved via a " XXXX Principal '' servicing model documented in EXHIBIT_C, where 100 % of payments were routinely siphoned into interest with {$0.00} applied to principal. This constitutes an " Abusive '' act under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( d ), as the Company utilized intentional concealment and predatory algorithmic servicing to obscure the material risks and terminal costs of the product. 

XXXX. Disclosure Fraud & Undisclosed Immobilization ( Violation of XXXX  Civ. Code 2982 & XXXX  Fin. Code 348.013 ) EXHIBIT_A ( the RISC ) discloses only XXXX ( XXXX ) theft deterrent device. Forensic hardware discovery confirms XXXX ( XXXX ) active surveillance units were installed. 
Device Identified : PassTime XXXX ( FCC ID : XXXX ). 
The Breach : These units are equipped with Remote Starter Interrupt ( Immobilization ) technology. In the forensic photo ( Exhibit J ), XXXX trackers are clearly visible ; a physical affidavit confirms XXXX total. 
Statutory Violation : The failure to disclose remote-immobilization technology and the accurate number of devices violates the XXXX  Rees-Levering Act ( Civ. Code XXXX ) and XXXX Finance Code 348.013. Under XXXX Civ. Code 2983, a violation of these disclosure requirements renders the contract unenforceable. 

XXXX. Coordinated Regulatory Filings and Systematic Securities Fraud The systemic nature of this fraudspecifically the XXXX tracker configuration and artificial principal inflationhas been reported to the following agencies to address the material risk posed to global investors in Veros Credits securities pools ( XXXX XXXX through XXXX XXXX ) : SEC Whistleblower Office : TCR # XXXX ( Violation of 17 CFR 240.10b-5 ) XXXX  Office of Consumer Credit Commissioner ( OCCC ) : XXXX XXXX Attorney General ( Consumer Protection Division ) : XXXX XXXX Dept. of Financial Protection and Innovation ( DFPI ) : XXXX XXXX. Collection Harassment & Deceptive Trade ( Violation of XXXX  Bus. & Com. Code 17.46 & XXXX Fin. Code 392.304 ) Unlawful Title Retention : Veros Credits withholding of the vehicle title to coerce payment is an unconscionable action under the XXXX XXXX, Bus. & Com. Code 17.46. 
Harassment : Logs confirm XXXX daily calls, violating the XXXX  Debt Collection Act ( TDCA ), Fin. Code 392.302, and the federal FDCPA, 15 U.S.C. 1692d. 
Economic Duress : Signatures on these extensions were obtained under the stress and imminent threat that the Company would repossess the vehicle. This constitutes a violation of XXXX  Civil Code 1567 and XXXX Business & Commerce Code 17.45 ( 5 ), as consent was obtained through duress and unconscionable advantage-taking. 

Conclusion and Demand Due to these material violations, the contract is void. I demand the following : Total Discharge of Debt : Immediate cancellation of all alleged balances.

Total Tradeline Deletion : Removal of the entire loan history from all credit reporting agencies.

Title Release & Transfer : Immediate release of the title, with all XXXX-to-XXXX transfer fees paid by Veros Credit. 

I request the CFPB maintain this investigation and coordinate with the aforementioned state and federal agencies until the Company provides a line-item justification for the documented 211.9 % extraction. 

Respectfully, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation