Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: City Enterprises, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against City Leasing , LLC Complaint Against : City Leasing , LLC I am filing this complaint regarding City Leasing , LLC and its repeated unfair, deceptive, abusive, and harassing debt collection practices associated with a lease-to-own/rent-to-own agreement for a storage shed. This matter involves a storage shed that I entered into under a lease-to-own agreement beginning around XX/XX/year>. Over the course of several years, I made substantial payments toward the account and believe the remaining balance to be approximately {$500.00} or less. Despite the large amount already paid toward ownership of the shed, City Leasing , LLC has failed to provide a complete accounting history or documentation supporting the alleged remaining balance. For several months, City Leasing failed to send invoices, billing statements, notices, or any proper written accounting regarding the alleged balance owed. Instead of attempting to reasonably resolve the matter, the company engaged in repeated harassment and intimidation tactics. The issues I am reporting include, but are not limited to : Repeated and excessive phone calls on a daily basis ; Harassing and threatening communications ; Physical threats and intimidation ; Abusive and unprofessional language ; Name-calling and verbal harassment ; Failure to provide proper invoices or billing statements ; Failure to provide requested account records and payment history ; Defamatory accusations and allegations of fraud and false advertisement ; Threats of litigation without first validating the alleged debt ; and Potential deceptive collection and pricing practices related to the lease-to-own agreement. Recently, City Leasing , LLC, through legal counsel, accused me of false advertisement and threatened legal action regarding the storage shed. However, despite repeated requests, neither the company nor its attorneys have provided the following requested documentation : Complete payment ledger ; Full accounting statement ; Current invoice ; Proper written notice showing how the alleged balance was calculated ; Copy of the original lease-to-own agreement; The original cash purchase price of the shed ; Documentation of all fees and charges added to the account ; and A complete payment history showing all payments received and applied. I also requested confirmation regarding the last date any invoice or written notice was allegedly mailed to me because there was an extended period where no billing statements or invoices were sent. Additionally, I have concerns regarding whether all legally required disclosures associated with rent-to-own agreements were properly provided at the time the contract was signed, including disclosures relating to total purchase price, total payments, fees, early purchase options, and other consumer protection disclosures. I believe City Leasing, LLCs conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( FCCPA ), and other consumer protection laws prohibiting deceptive, unfair, abusive, and harassing debt collection conduct. I am requesting that the CFPB investigate this matter and require City Leasing , LLC to : Provide a complete accounting and payment history for the account ; Validate the alleged remaining balance ; Cease all harassing and abusive collection activity ; Correct any false or defamatory allegations made against me ; and Ensure compliance with all applicable consumer protection and disclosure laws. I am willing to resolve any legitimate remaining balance once complete documentation and proper accounting records are provided. However, I believe consumers should be protected from intimidation, harassment, and deceptive debt collection conduct. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation