Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Royalty Management Corporation
State: NC

Complaint narrative:
Date : XX/XX/XXXX Subject : Complaint Regarding Failure to Provide Vehicle Loan Documentation and Account Records To Whom It May Concern, I am submitting this complaint regarding Royalty Finance XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and its failure to provide requested loan documentation and account records related to my vehicle financing account. Over the past several months, I have made multiple requests to Royalty Finance for copies of my loan documents and a complete account payment history. Despite these requests, the company has failed to provide the requested information or adequately respond to my inquiries. Specifically, I have requested : A copy of the original retail installment contract and loan agreement. A complete payment history from the inception of the loan to the present. Current account status, including outstanding balance and payoff amount. Documentation of any fees, charges, deferments, modifications, or amendments to the account, as well as records relating to the transfer or assignment of my contract to another financial institution without my consent. I received notification that my contract had been transferred, and shortly thereafter it was unexpectedly transferred back to Royalty Finance. I request all documentation explaining these transfers and the authority under which they occurred. Any other records maintained regarding my loan. As a consumer, I believe I am entitled to access records pertaining to my financial obligation. The companys repeated failure to provide these documents has prevented me from verifying the accuracy of my account and maintaining proper records. Furthermore, due to the unresolved discrepancies concerning my account, the lenders failure to provide requested documentation, the potential inaccuracies in my payment history, and concerns regarding inaccurate credit reporting, I formally dispute the validity and accuracy of the account as currently represented. Until a thorough investigation has been completed and all requested documentation has been provided, I request that Royalty Finance suspend collection activity and refrain from requiring further payments on the disputed amounts. I further request that no adverse credit reporting, late payment reporting, collection actions, repossession efforts, or other negative actions be taken against me while this matter remains under investigation. I am seeking a complete accounting of the loan, verification of all payments received and applied, an explanation of any transfers or assignments of the loan, and confirmation that all information reported to consumer reporting agencies is accurate and complete. Once the investigation is concluded and the accuracy of the account has been verified, I will review the findings and determine the appropriate course of action regarding any remaining obligations. I respectfully request that your office investigate this matter and assist in obtaining the requested documentation from Royalty Finance. I also request that Royalty Finance be required to provide a complete accounting of my loan and payment history without further delay. Thank you for your time and attention to this matter. Please contact me if additional information is needed. Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation