Vehicle loan or lease -- Getting a loan or lease -- Complaint #13375604
Complaint Overview
Complaint ID: 13375604
Company: Lentegrity Management, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Confusing or misleading advertising or marketing
State: Texas
ZIP Code: 775XX
Date Received: 2025-05-06T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a vehicle on XX/XX/year> and financed it through Lentegrity. The vehicle was later discovered to have a branded/salvage title, which was not clearly disclosed in the main sales or finance contracts. The only mention was in a separate side disclosure document, which was not explained or presented transparently at signing. Lentegrity later confirmed they were aware the vehicle had a branded title, as they had requested the salvage title themselves. Despite this, the vehicle was financed for over {$36000.00} significantly above fair market value for a branded title vehicle. This has resulted in a severely upside-down loan and misrepresentation of the vehicles true worth. Ive made consistent, on-time payments and have reduced the balance to around {$11000.00}. However, after falling behind on just one payment, Lentegrity has become extremely aggressive in pursuing repossession instead of working toward a resolution. Most notably, XXXX a representative from Lentegritys repossession department has been consistently nasty, rude, and unprofessional throughout every interaction. She has shown no willingness to help or even listen to the situation, and her tone has been combative and dismissive despite the ongoing dispute and the fact that I have been cooperative. She continues to apply pressure instead of offering any meaningful support or solution. Ive also requested documentation from Lentegrity regarding their knowledge of the branded title, as well as justification for the inflated loan amount. To date, I have not received a satisfactory response. I am seeking CFPB review into whether this loan was issued under deceptive, misleading, or predatory conditions and whether Lentegrity failed in their duty to provide transparent and fair disclosure. I am also requesting protection from further aggressive collection actions while this dispute is being investigated.
Frequently Asked Questions
What is Complaint #13375604 about?
Complaint #13375604 was filed against Lentegrity Management, LLC regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2025-05-06T12:00:00-05:00.
How did Lentegrity Management, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Lentegrity Management, LLC?
Yes, visit the Lentegrity Management, LLC company profile at readthecomplaint.com/company/lentegrity-management-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.