Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Line 5, LLC
State: IA

Complaint narrative:
In XX/XX/year>, I purchased a vehicle from XXXX XXXX in XXXX, IA, and was subjected to outright deception. I was quoted a monthly payment slightly above my stated absolute top end budget and told it was the lowest they could offer. What I wasnt told is that the vehicle loan payment alone was actually well under my budgetthe inflated monthly figure they quoted included a second, undisclosed loan for an extended warranty from a third-party lender, Line XXXX. 

I made it explicitly clear to the dealership during the process that I did not need any extra warranties outside of the factory XXXX from XXXX XXXX for being certified, as I have family members who are mechanics and provide my vehicle maintenance free of charge. Despite this, the dealership enrolled me in a Line XXXX warranty loan and disguised it within the " total monthly cost of the vehicle '' if I signed. 

After the sale, I took a welcome call from Line XXXX, during which they confirmed my name and contact information. I assumed this call was related to the factory warranty for my certified vehicle. I did not know this was a completely separate financial loan with a completely separate loan company or that I was now under contract with Line 5. I was also not made aware that Line 5 is not even a warranty provider I was talking too because it was a certified vehicle, but a low-income-targeted lender designed to finance unnecessary aftermarket products.

When I received the first notice from Line 5, I called line 5 to cancel and was told it has to be done through the dealership. I immediately contacted XXXX XXXX to cancel. I was told cancellation paperwork would be sent, but it never was. I followed up multiple times and was told someone would call me back, but they never did. It became obvious I was being stalled until the cancellation window closed. 

I made payment to Line XXXX to try to protect my credit while waiting for the cancelation, then placed a block through my bank to stop further withdrawals when it became clear I was being given the run around to time out the cancellation clock. 

Since then, Ive been subjected to daily harassment multiple phone calls per day, often along with up to XXXX text messages per day, all from rotating or spoofed phone numbers using my local area code do that they that can not be blocked or screened. 

This has impacted my daily life, caused extreme undue stress to the point I have since been diagnosed with severe anxiety and needed to start a meds prescription. It is also impacting my work life. I graduate college as a non-traditional student this month, and my job search for a better more degree aligned position is hindered by the fact I can not trust any phone call from any number due to the consistent calling from a different number every time from line XXXX. 

This behavior is intimidating, excessive, and clearly in violation of the Fair Debt Collection Practices Act ( FDCPA ) and CFPB Regulation F.

Most recently, Line 5 began sending me text messages stating that the warranty had been canceled. " This is Line 5 your protection purchased at XXXX XXXX XXXX has been canceled, but your loan with line XXXX is currently passed due '' yet they still claim I owe monthly payments, and are continuing to attempt automatic withdrawals, even attempting to withdraw from my account today. This is contradictory and deceptive. If the warranty is canceled, the loan should be canceled. 

Thats completely contradictory and legally problematic. If they are claiming the unused warrantee is canceled and no longer in effect or usable, yet still demanding monthly payments and attempting withdrawals, then they are also engaging in : Unfair or deceptive acts or practices ( UDAP ) Breach of contract or misrepresentation Unlawful collection efforts under the FDCPA

Company response to consumer: Closed with explanation