Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
As this is my last attempt to settle this dispute outside of civil court ; I will speak directly from the Truth In Lending Act. It is my hope that this can save all parties involved time and energy. As a consumer with full faith and credit in commerce I ask that the following is FACTS and TRUTH be recognized as it is stated in the Truth In Lending Act, which governs this company. 

1. 15 USC 1611- CRIMINAL LIABILITY for willful and knowing violation - ( 1 ) whoever willfully and knowingly gives false information or fails to provide information which he is required to disclose under the provisions of this title or ANY regulation issued thereunder.

- ( 3 ) otherwise fails to comply with any requirement imposed under this title shall be fined not more than XXXX or imprisoned not more than XXXX year, or both. 

2. 15 USC 1605- the amount of the FINANCE CHARGE in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. Charges imposed uniformly in cash and credit transactions are NOT finance charges.

3. The term " credit card '' mean ANY card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The term " accepted credit card '' mean ANY credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

4. The term " unauthorized use '' as used in section 133, means use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives NO BENEFIT. 

5. Consumer Credit Transaction- the transaction in which the party to whom credit is offered or extended is a NATURAL PERSON, and the money, property, or services whcih are the subject of the transaction are primarily for personal, family, or household purposes.

CIG has knowingly and willfully violated this consumer since XX/XX/2020, and to present day, still reports harmful and unfair credit billing information to the Credit Reporting Agencies ; which is by definition ; UNAUTHORIZED USE of the consumers credit card. The forms used to initiate this CONSUMER CREDIT TRANSACTION were false and deceptive and the subsequent theft of consumers property has cause enormous distress and hardships ; mental, emotional, and financial.

Congress has entrusted companies such as CIG financial with the opportunity to enhance economic stabilization by the informed use of credit. How can any consumer ever be truly informed of how consumer credit transactions truly function when companies, like CIG are knowingly deceptive and abusive to the consumer

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