Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Embassy Loans
State: FL

Complaint narrative:
Subject : Formal Complaint Embassy Loans , Inc.

To Whom It May Concern : Pursuant to the guidance of the Florida Attorney Generals Office, I am submitting this formal written complaint against Embassy Loans , Inc. for review by the Consumer Financial Protection Bureau and appropriate regulatory authorities.

I have made multiple good-faith attempts to resolve ongoing issues directly with Embassy Loans ; however, the company has failed to provide accurate information or written clarification regarding my account. I am now formally documenting these concerns as advised by the Attorney Generals Office.

Summary of Issues : 1. Discrepancies in Payment Records : The companys records do not match my verified payments. Despite providing receipts and prior correspondence, Embassy Loans continues to claim balances that differ from my documented payment history.

2. Inconsistent and Unexplained Balances : Embassy Loans has issued multiple statements reflecting conflicting balances and unexplained charges, without transparency regarding how these figures were calculated.

3. Licensing and Interest Rate Concerns : I have requested written clarification of the companys license type and the clause under which this loan was issued, along with the maximum allowable interest rate under Florida Statute Chapter 516. Embassy Loans has not provided this information.

4. Harassment and Threats of Repossession : I have received repeated repossession threats even when I have made timely payments or communicated in advance about delays. These actions appear coercive and inconsistent with fair debt collection practices.

5. Failure to Honor Written Communication Requests : Although I have formally requested that all communication be conducted in writing, Embassy Loans continues to contact me by phone. This practice violates my documented request and hinders accurate recordkeeping.

Steps Already Taken : Submitted written requests to Embassy Loans seeking correction of errors and proper documentation.

Maintained full payment records and copies of correspondence.

Contacted the Florida Attorney Generals Office, which advised me to submit a detailed written complaint including all evidence and a timeline of events. 

Desired Resolution : I respectfully request that Embassy Loans be required to : Provide a full, itemized accounting of all payments and charges. 
Clarify its licensing and interest rate authority under Florida law. 
Communicate exclusively in writing going forward.

Suspend any repossession or collection activity until this matter is fully reviewed.

I am providing this complaint in accordance with the Attorney Generals recommendation, including copies of relevant communications, payment receipts, and documentation supporting my claims.

Thank you for your time and attention to this matter. I request written acknowledgment of this complaint and a response outlining any findings or corrective actions taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation