Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Subject : Auto loan Fraud XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX CIG Financial, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern, I am writing to you to report fraudulent activity that has taken place on my account # ( XXXX ) .During the purchase of a XXXX XXXX XXXX from XXXX XXXX located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX and CIG Financial Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX who fraudulently approved me for a car loan in the amount of $ XXXXand payments of {$470.00} a month for 66 months., One of your employees at CIG Financial has a personal relationship with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. They have worked together and committed fraud .XXXX  XXXX lied about my income and were I worked, and a CIG employee worked with XXXX and got me a loan without proof of income.And very high intrest and sold me a defective vehicle knowing it was a lemon.I have taken legal action regarding the lemon and have won the lawsuit in XXXX of XXXX, and was to return the car 2 or 3 months later after I signed for a repurchase agreement in XX/XX/XXXX do to an accident that wasnt my fault this is on hold at the moment.The fraudulent activity took place on XXXXand I was unaware of this till I downloaded the contract off the USB drive during my lawsuit for the lemon.And am contacting you in hopes to resolve this issue. I have contacted CIG Financial in regards to this issue on XX/XX/XXXX asking them to send me proof of my income for this loan that they have on file, and their response was why do I need this? I said for my personal records and they said they dont have any proof of my income on file.I also called XXXX XXXX right after and requested a copy of the proof of the income they have on file and their response was they shred all documents after a certain amount of time it's been a year. The total cost of the sale price is {$32000.00} Also the odometer has been rolledbact which is a federal offence. Along with other issue that XXXX XXXX has fraudulently committed.I am extremely disappointed with the bank 's lack of transparency and unethical behavior. I demand that that the Bank take immediate action to investigate this matter and provide me with a full refund for the fraudulent transaction and contract. I also demand that the bank take appropriate action against the employee and the car dealer for their involvement in this fraudulent activity. I have all documents showing the fraudulent income and work verification along with the lawyers contract regarding the defective vehicle that I had to take in to XXXX XXXX 10 days after purchasing but it was 4 days after buying the car i called them do to issue with transmission and 2 more times after that and they were unable to fix the problem that was bad transmission. I am also b disappointed with XXXX XXXX and their illegal and unethical behavior in knowingly and willingly selling me a defective vehicle and lieing about my income and my job and rent payments and my position of a manager at this false job .They have also committed a federal offense by tampering with the odometer. I have consistently payed my monthly payments on time never late and feel like I have been taken advantage of due to me having XXXX and being sick.If the bank fails to take appropriate action, I will be forced to take legal action to protect my rights as a consumer. Please keep me informed of any developments in this case like I said up intill XXXX I have made payments on time.I have received a past due payment text and email messages from CIG threating me in repossession of the car even after i told them whats going on and threats on sending it to collections and i hope this does not go on my credit because that will be another lawsuit. I appaligize to you to have to email you about this situation .Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation