Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
Beginning on XX/XX/year>, a vehicle was purchased and financed through a dealership that assigned the financing to PFG Auto Finance. At the time of signing, key Truth in Lending Act ( TILA ) disclosures were not provided prior to consummation, including the APR, finance charge, total of payments, payment schedule, and the right to rescind.

In the months that followed, multiple issues occurred involving both PFG Funding and an entity identifying itself as XXXX XXXX XXXX XXXX 
Timeline of Actions Taken and Issues Encountered XX/XX/year> A retail installment contract was signed at the dealership. 
Required TILA disclosures were not properly provided before the contract was finalized. 
XX/XX/year> A formal complaint was submitted to the CFPB regarding missing disclosures, unauthorized third-party contact, and repeated collection calls. 
On XX/XX/year>, PFG Funding responded in writing stating : They had no affiliation with XXXX XXXX XXXX XXXX 
They do not use any third-party company for servicing or collections. 
They claimed a copy of the contract had been emailed. 
XXXX XXXX  Despite PFGs written denial, numerous calls were received from XXXX XXXX XXXX XXXX using the same phone number publicly listed for PFG Funding. 
Caller ID repeatedly displayed XXXX XXXX XXXX XXXX ( XXXX ) with number ( XXXX ) XXXX. 
Several calls were missed, declined, or returned. 
These calls appeared on : XX/XX/year> XX/XX/year> XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XX/XX/year> A written request was emailed to PFG Funding requesting : Full disclosure of the loan agreement Clarification of affiliation with XXXX XXXX XXXX An immediate stop to third-party contact and harassment No response was provided, and the representative later claimed the email was not received. 
XX/XX/year> Additional attempts were made to obtain documentation. 
A PFG representative stated they can not correspond by email due to confidentiality, despite their own website listing a support email and their prior written statement that they emailed documents. 
Calls from XXXX XXXX XXXX continued despite PFGs written claim of no affiliation. 
Summary of Issues Failure to provide required TILA disclosures before contract consummation. 
Repeated and unwanted phone calls from XXXX XXXX XXXX XXXX. 
Contradictory statements by PFG Funding : Denying affiliation with XXXX XXXX XXXX Yet sharing the same phone number and address Misrepresentation of communication capabilities : Stating they can not email due to confidentiality While their website publicly lists email support Refusal or failure to provide contract documentation, despite multiple written requests. 
Harassing communication in violation of FDCPA and TCPA. 
Actions Taken by the Consumer Submitted formal CFPB complaint ( XX/XX/year> ) Attempted to obtain contract documents via email ( XX/XX/year> ) Requested clarification of third-party involvement Requested that all third-party contact stop Documented all calls and collected evidence of overlapping business information Prepared certified mail correspondence requesting full disclosure

Company response to consumer: Closed with explanation