Consumer complaint received 2024-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AUTO CREDIT USA
State: OH

Complaint narrative:
On XX/XX/XXXX I got a XXXX from XXXXXXXX XXXX XXXX  ( auto credit USA ) to which the contract is fraud. One there is a finance charge on my behalf but who is the other half without my consent. The loan offer in credit USA lied saying there was no recalls nothing wrong with the car. To which 30 min later after taking it home the transmission gave out. Which is a lemon car. I was out of work for three days the XXXX was at the transmission shop two days later picked up. To which I have the email from the transmission shop stating 7 trans codes was on the trans and it was deleted by the car lot. The same day I sent a video of the XXXX XXXXrans going out to the sales rep. Which they did nothing. Under federal law 15 US Code {$1600.00} ( 1 ) False and deceptive forms which the ladies lied to get me into the loan. The trans was going out and they covered it up. Two per every auto loan agreement the loan company is to put auto insurance on the XXXX not me. Also they lied saying nothing was wrong with the XXXX. When I fact there was. The owner is a pos XXXX XXXX USA is a pos. And I will filed federal charges against XXXX XXXX USA and XXXX XXXX XXXX now. I was out of work for 4 days which that is lost wages which they never paid. Nor got me a rental car. Now under 15 US Code {$1600.00} ( b ) ILLEGAL to require any downpayment in connection with a consumer credit transaction to which I had to pay a down payment of XXXX and then they added another XXXX to the down payment which again down payments are illegal under federal law. I know this because I am a constitutional law scholar and if need be I will not only file charges against the car lot and loan company but also these credit reporting company. Under fcra I am to be notified of negative marks on my credit report to which I was never notified. Also under federal law we half to have ample time to get back the vehicle to which they sold it at a action within XXXX weeks or so when by law they are to notify me of the auction before hand. Now 15 US CODE {$1600.00} ( 6 ) Right to rescind and keep the property. I have the right to rescind the context and keep the XXXX due to fraud to which they took the car when I was at work now how many federal laws was violated thats theft and I will file criminal charges against the company for grand theft auto. I contact the owner to which he even stated I wouldnt pay on a car I aint driving that the trans went out in I have it all in texts and all. The tried to strong arm me into paying. Again under federal law.i am protected. I have hired attorneys and am going to file federal court papers against this company and have them shut down. Every one of them in Amarica for fraud. Now either you take this off my report and reinstate my credit score or I will file charges against not only them but every credit report agency that has XXXX XXXXXXXX XXXX on my credit report. Not only that. Credit reporting companys committed fraud by letting them out anything on my credit report without my consent. Another violation of federal law. Advertising my ssn to the credit reporting companys. Period. I will have the owner behind bars the owner of XXXX XXXX behind bars and the lady I signed the paperwork with behind bars period Ill see you all in federal court.annual percent rate is what come to me where it states annual percent rate.amount financed provided on my behalf who the other behalf without my consent. Nor was I told who is was on my behalf.

Company response to consumer: Closed with explanation