Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: State Cap Auto Finance, Inc
State: RI

Complaint narrative:
FORMAL FEDERAL CONSUMER COMPLAINT Dear CFPB Enforcement Director and Intake Unit, I am writing as a self-represented consumer to request an immediate federal investigation into State Cap Auto Finance , Inc. and its joint-venture dealership partner, XXXX XXXX. These entities are engaged in a highly calculated, interstate predatory lending scheme that relies on willful identity theft, backend fee-packing, deceptive credit reporting, and retaliatory collection threats. State Cap Auto Finance is a repeat offender currently operating under a permanent, binding Regulatory Consent Order ( Docket No. XXXX ) issued by the Massachusetts Division of Banks for utilizing hidden backend software parameters to systematically " pack '' unauthorized fees and add-ons into consumer loan contracts. State Cap personnel have willfully imported this exact penalized, fraudulent business model across state lines into Rhode Island. On XX/XX/XXXX, State Cap deployed an on-site finance manager directly inside the XXXX XXXX closing office. Working in concert, they used their proprietary lending software to fabricate a loan transaction, unilaterally inflate the vehicle 's base price by {$1000.00}, alter my monthly payment structure, extend the loan length, and pack my contract with {$2300.00} in completely unauthorized, fraudulent add-on fees. Network-synchronized telecommunications metadata and state transit logs prove that State Cap faked the physical execution of this loan. State Cap 's internal electronic database timestamps claim I signed the final retail installment contract on-site in XXXX XXXX XXXX XXXX XXXX However, my carrier-certified XXXX tower logs and XXXX XXXX receipts prove that my phone was actively routing through cell towers in XXXX XXXX XXXX RI from XXXX XXXX to XXXX XXXX while I ran a laundry cycle at XXXX XXXX XXXX. Further XXXX network tracking and historical XXXX schedules prove I was riding the XXXX XXXX inbound bus through XXXX at XXXXXXXX XXXX and walking across the downtown XXXX XXXX XXXX at XXXX XXXX. I did not step off the XXXX XXXX XXXX bus onto the dealership lot until XXXX XXXX full 55 minutes after State Cap and the dealer faked terminal entries to print temporary transport tags at XXXXXXXX XXXX. This establishes a physical and mathematical impossibility, proving the loan papers were generated via identity fraud. The collection abuse has now escalated into open retaliation. After State Cap ignored my initial disputes, I filed a formal Cease and Desist directive to halt their collection department 's aggressive telephone harassment. In response, now that I have filed a formal lawsuit in Rhode Island Superior Court, they have weaponized their litigation attorney, XXXX XXXX XXXX, XXXX, who is actively issuing threats of summary vehicle repossession. Furthermore, I have repeatedly made formal requests to both the lender and their attorney for basic account paperwork, monthly billing statements, late notices, default alerts, an unredacted transaction ledger, and the mandatory written 21-day Notice of Default and Right to Cure required under R.I. Gen. Laws 6-27-4. They have flatly refused to provide me with a single piece of documentation. Instead, while operating in total secrecy and withholding my account information, they are actively reporting damaging, negative marks to the major credit bureaus to systematically destroy my financial livelihood while this fraud is being litigated. Because State Caps on-site manager directly participated in creating this fraudulent loan transaction and is now utilizing illegal threats of property seizure and credit destruction to enforce it, I request that the CFPB immediately log this violation into the federal consumer complaint database. I request a formal federal inquiry into State Cap 's cross-border auto lending practices, an audit of their backend financing software for illegal fee-packing protocols, and an immediate referral to the Rhode Island XXXX and DMV Fraud Units ahead of my XX/XX/XXXX Superior Court emergency injunction hearing. Sincerely, XXXX XXXX XXXX, RI

Company response to consumer: Closed with explanation