Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Debois, Inc.
State: OH

Complaint narrative:
XXXX XXXX Follow-Up Summary for Refund Demand and Supporting Evidence XXXX XXXX am submitting additional documentation to support my original complaint against DBS Financial regarding a fraudulent auto sale and improper credit reporting. XXXX vehicle I purchased from DBS Financial broke down within two days of XXXX was sold to me under warranty, and I have attached certified diagnostic records proving the transmission failed immediately, rendering the vehicle XXXX this, DBS Financial offered no repair, no replacement, and continued to report a balance and falsely claim a payment was made after repossession, which never XXXXI was forced to return the vehicle and made a total of $4,552 in payments, for which I am now demanding a full refund due to breach of warranty and deceptive XXXX have attached a formal refund demand letter, supporting evidence of mechanical failure, and proof of payment. I am requesting CFPB intervention to XXXX deletion of all DBS tradelines from my credit XXXX refund of the $4,552 I paid for a non-functional, returned XXXX of this account with no further XXXX has failed to respond meaningfully to my original complaint, and their reporting is inaccurate, misleading, and harmful to my financial XXXX you for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General Consumer XXXX XXXX is a follow-up to my original complaint against DBS Financial regarding the sale of a defective vehicle under fraudulent XXXXI am submitting additional evidence, XXXX  certified diagnostic report proving the vehicle broke down two days after XXXX that the vehicle was under warranty at the time of XXXX that I paid XXXX  in total for a car that was non-drivable and XXXX formal refund demand XXXX that DBS falsely reported a payment after repossession on my credit XXXX am now formally requesting your office to assist in XXXX full refund of XXXX from XXXX XXXX removal of the account from my credit XXXX into their failure to honor warranty obligations and fraudulent XXXX you for your continued support in resolving this XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Follow-Up on FTC Fraud Report XXXX XXXX XXXX XXXX XXXX XXXX It May XXXX  is a follow-up on my original FTC fraud report involving DBS FinancialXXXX  have since XXXX vehicle sold to me broke down within two days and was under XXXX certified diagnostic shows the transmission failed XXXX provided no repairs or assistance, and I had to return the XXXX continued to report a balance and falsely claimed I made a payment after XXXX paid XXXX total for a vehicle I could not XXXX am attaching my refund demand letter, mechanical evidence, and credit report entry showing false informationXXXX situation constitutes fraud, breach of warranty, and deceptive practices. I request FTC intervention XXXX  corrective action and a full XXXX  DBS Financial from further victimizing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Inaccurate Information  DBS Financial XXXX XXXX XXXX It May XXXX am writing to formally dispute the inaccurate reporting on my credit file regarding the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due Amount: XXXX XXXX XXXX XXXX XXXX XXXX  being reported is inaccurate. I did not make a payment in XXXX XXXX as listed. The account was closed in XXXX XXXX, and the vehicle was already repossessed. Therefore, no payments were made after that time. The reporting of a XXXX  payment is incorrect and XXXX am requesting that this account be updated to reflect the accurate last payment and activity date or be removed entirely due to unverifiable and inaccurate XXXX investigate this matter and correct or delete the incorrect information as required under the Fair Credit Reporting Act (FCRA). Enclosed is a copy of my ID and proof of address for XXXX XXXX XXXX XXXX XXXX XXXX   False Reporting of XXXX  am updating my complaint regarding DBS Financial. They are reporting a payment made on XXXX, but I never made any payment in that month. The account was closed in XXXX  and the vehicle had already been repossessed. This payment never occurred and is falsely inflating the account history and delaying the aging/removal XXXX  have attached a copy of the credit report showing the false activity. I request this account be corrected or deleted entirely due to false data and failure to accurately report under FCRA and FDCPAXXXX  Legal Dispute & Cease Reporting Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX May XXXX letter serves as a formal dispute and legal demand regarding the reporting of the auto loan account associated with DBS Financial, Account XXXX, which was opened in XXXX and closed in XXXX due to repossessionXXXX company has reported that a payment was made in XXXX XXXX, after the vehicle had already been repossessed and the account closed. This is false, and I have never made such a payment. You are in violation of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) by continuing to report inaccurate and misleading information to the credit XXXX am demanding the following actions XXXX all inaccurate reporting related to the above XXXX  or delete the falsely reported payment dated XXXX me with documentation proving that a payment was actually made on that date (check image, bank receipt, or transaction record). If you cannot provide this, the tradeline must be deleted in XXXX receipt of this dispute and your intent to correct or remove the false data within XXXX days, per FCRA  XXXX have also submitted formal complaints to the following regulatory agenciesXXXXConsumer Financial Protection Bureau (CFPB)  Complaint XXXXFederal Trade Commission (FTC)  Report XXXX(If applicable: XXXX  Attorney General Complaint  Tracking XXXXXXXX failure to correct this inaccurate information will result in legal action, including a claim for damages for credit harm, inaccurate reporting, and violations of federal XXXX  are hereby barred from further reporting or collection on this account until the dispute is resolved. This letter also constitutes a cease and desist under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation