Consumer complaint received 2026-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FLAGSHIP FINANCIAL GROUP LLC
State: GA

Complaint narrative:
Company : Flagship XXXX XXXX I am filing a complaint regarding an auto loan Flagship XXXX XXXX is servicing. After reviewing the full retail installment contract from XXXX XXXX XXXX, I discovered multiple errors, inconsistencies, and disclosure violations that affect the accuracy and legality of the loan Flagship is reporting and collecting on. The vehicle was recently repossessed, and because of the contract errors, the repossession was based on an inaccurate and defective agreement. Because Flagship is the lender and has responded quickly to prior CFPB complaints, I am submitting this complaint directly to Flagship so they can investigate and require the dealership to correct these issues. Contract Errors & Violations XXXX. Incorrect Down Payment Disclosure The contract lists my down payment as {$1600.00}, but I paid {$5000.00} cash. This violates Truth in Lending Act ( TILA ) requirements for accurate disclosure of the amount financed. XXXX. Incorrect TradeIn Disclosure The contract lists : * Gross TradeIn Allowance : {$13000.00} * Payoff Made by Seller : {$19000.00} XXXX XXXX XXXX : {$6100.00} This is mathematically impossible and violates XXXX requirement for accurate disclosure of tradein values and payoff amounts. XXXX. Incorrect Itemization of Amount Financed The contract lists the Cash Price and Unpaid Balance of Cash Price as the exact same amount ( {$37000.00} ) even though a down payment was supposedly applied. This contradicts TILA itemization rules. XXXX. APR and Finance Charge Inconsistencies The contract lists : * APR : 23.87 % * Finance Charge : {$39000.00} * Amount Financed : {$43000.00} * Total of Payments : {$82000.00} The APR does not mathematically match the finance charge and payment schedule, which is a TILA violation. XXXX. Unauthorized or Incorrect Optional Charges Several optional insurance and XXXX sections show signature lines but no signatures, yet fees appear in the itemization. This violates disclosure and authorization requirements. XXXX. Ownership Timeline Issue This contract is a 72month loan. I have already paid on this vehicle for 4 years, meaning I would have owned the car outright in less than 3 years. Because the contract contains multiple errors, the loan terms, payment obligations, and repossession actions are not accurate or enforceable as written. Requested Resolution Due to the errors and violations listed above, I am requesting the following : XXXX. Refund of my {$5000.00} cash down payment. XXXX. Refund of my {$13000.00} tradein value. XXXX. Refund of all payments made to Flagship XXXX XXXX. XXXX. Correction or removal of any inaccurate credit reporting related to this account. XXXX. Flagship should forward this complaint and contract to XXXX XXXX XXXX and require a response Flagship is the lender, is reporting this account to the credit bureaus, and has responded quickly to prior CFPB complaints. The dealership has not responded to the CFPB, and the CFPB representative stated their research may take up to 60 days. Flagship has an active CFPB portal and can address this matter promptly. If possible Flagship can return the vehicle I legally own if this contract was signed correctly.

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