Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Complaint With Intent To Sue Dear Agency On the day of XX/XX/XXXX I mailed a notice letter to State Employees CU concerning the credit terms of the contract I was not fully aware of. I have not yet received a response. On XXXX XXXX I sent State Employees CU a second notice in response to the first letter I sent them. I still haven't received a response. Also on the day of XXXX XXXX I went into the XXXX XXXX XXXX dealership and spoke with the Finance Manager XXXX XXXX about getting a copy of my contract. He stated that my truck was financed in XXXX and they will have to find my physical documents because they have a new system in place that requires all documents now to be signed via online e-signature. He stated that he will email my documents once he finds them. I waited fifteen days then followed up with XXXX. I called his office phone and asked him a second time to please send the contract documents to me. He stated that he would send it over to me and never did. Between XXXX XXXX and XX/XX/XXXX I called XXXX XXXX several times and finally spoke with the receptionist. I asked her to transfer me to XXXX XXXX ' desk .She said that hes on another call. I gave her my name and number and asked her to tell him to call me back. I still haven't gotten a response.I sent a notice by mail to XXXX XXXX XXXX on XXXX XXXX. I've reached out to both companies and still have not been able to get this issue resolved. 

After looking over my contract, it's incomplete and not giving proper disclosure which makes this contract null and void. These are the following facts : 1.There is no signature of State Employees CU anywhere in the contract. 

2. The contract only has my signature.

3.The finance charge of {$5200.00} is all that I was supposed to pay. I am being charged the full amount that's financed. 

4.In The Truth In Lending Disclosure, the SECURITY section where the box is marked X beside the account No., it does not show an account as to where the loan came from. 

5. The book and ledger was neither disclosed to me or presented in the contract. 

6. The agreement was not disclosed to me about when the promissory note aged. 


Who was supposed to sign the contract? 

Why does the contact only have my signature? 

Why am I being charged the full amount that's financed? 

What account did the loan come from? 

Where is the ledger? 

When did the promissory note age? 

Where in your disclosure agreement that I as a consumer have the right to rescind? 


I have evidence to believe that you committed fraud and violated my rights as a consumer. This is unfair business practice. At this point I am notifying you that I am rescinding this transaction. 
Here is what I need from you : I want you to give me the original title to my truck free and clear. 

I want you to give me all monies claimed plus double the finance charge. 

All my past due payments. 
I want you to delete it off my credit report or have it shown as paid in full. 

If we have to take this to court I will ask for 1 % of your company. Send me the {$77000.00} or I take it to court and get it every month from you.

Company response to consumer: Closed with explanation