Vehicle loan or lease -- Managing the loan or lease -- Complaint #15807018
Complaint Overview
Complaint ID: 15807018
Company: Green Road Finance INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: California
ZIP Code: 90046
Date Received: 2025-09-08T12:00:00-05:00
Date Sent to Company: 2025-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Outline of Events and Misconduct A. The Repossession XXXX XXXX, 2025 : XXXX payment of {$650.00} sent to XXXX XXXX XXXX for XXXX XXXX ( XXXX XXXX XXXX receipt attached ). XXXX XXXX, 2025 : Despite valid payment, account flagged as delinquent due to misapplication of payment to XXXX XXXX loan. XXXX XXXX, 2025 : XXXX XXXX XXXX representative admitted XXXX payments were misapplied by their payroll department. XXXX XXXX 2025 : XXXX repossessed. This was wrongful, since the account was never late. B. Subsequent Charges While Vehicle Was Held After repossession, XXXX XXXX XXXX : Continued charging monthly interest as if the XXXX loan were still open. Assessed late fees and NSF fees, even though a payment had been made. Failed to properly credit or reverse those charges after acknowledging their internal error. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX as open with {$15000.00} balance and late payments. Reported to XXXX as charged-off with {$0.00} balance. Both statuses are contradictory and create double damage. First delinquency dated XXXX XXXX, XXXX day after proof of payment. XXXX. XXXX XXXX XXXX XXXX sold in XX/XX/year>, but tradeline continues to report as open with missed payments. XXXX XXXX delayed releasing the XXXX, further harming credit. XXXX. Retaliatory Credit Reporting After I disputed in XX/XX/year> and provided proof of payment, XXXX XXXX : Re-opened accounts in reporting systems. Continued marking them as late. Flagged XXXX loan as charged-off while simultaneously keeping it open. This appears retaliatory, as the derogatories worsened only after I challenged their errors. XXXX XXXX XXXX damage : My reports show XXXX derogatory accounts, inflated balances, false late payments, and a charge-off. Financial damage : Ongoing interest, late fees, and NSF charges for an account that was not delinquent. Property loss : Wrongful repossession of the XXXX XXXX despite being current on payments. XXXX violations : Fair Credit Reporting Act ( FCRA ). Truth in Lending Act. California XXXX XXXX. CFPB guidance on repossession and misapplied payments.
Frequently Asked Questions
What is Complaint #15807018 about?
Complaint #15807018 was filed against Green Road Finance INC. regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2025-09-08T12:00:00-05:00.
How did Green Road Finance INC. 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 Green Road Finance INC.?
Yes, visit the Green Road Finance INC. company profile at readthecomplaint.com/company/green-road-finance-inc 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.