Debt collection -- Threatened to contact someone or share information improperly -- Complaint #17939246
Complaint Overview
Complaint ID: 17939246
Company: Model Finance Company
Product: Debt collection
Sub-Product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt
State: California
ZIP Code: 93455
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A finance representative for my XXXX XXXX ( Model Finance, rep : XXXX XXXX ) illegally disclosed my private loan and repossession information by sending a mass text message to approximately XXXX individuals who are NOT my contacts and whom I never authorized them to contact. They also used threatening and harassing language toward me ( Good luck with the repo agents tonight ), pressured me for immediate payment despite a clear plan to pay in full that day, and misrepresented their ability to pause repossession. I have had a perfect on-time payment history since XX/XX/year> and made a good faith payment while communicating the full payoff time. This situation involves intimidation, privacy violations, and potential FDCPA violations. This all happened at me being XXXX days late on my loan due to an accidental missed payment.
Frequently Asked Questions
What is Complaint #17939246 about?
Complaint #17939246 was filed against Model Finance Company regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Model Finance Company respond to this complaint?
The company responded with: "Untimely response". The response was not 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Model Finance Company?
Yes, visit the Model Finance Company company profile at readthecomplaint.com/company/model-finance-company 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.