Vehicle loan or lease -- Struggling to pay your loan -- Complaint #18397172
Complaint Overview
Complaint ID: 18397172
Company: Pronto Finance INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
State: Illinois
ZIP Code: 60644
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding abusive, threatening, and potentially unlawful conduct by my auto finance company. Since obtaining this loan in XX/XX/2025, I have never missed a payment. At most, payments have been up to 21 days late, yet I have been subjected to harassment, threats of vehicle disablement, and inappropriate workplace contact. I was not informed at the time of purchase that a starter-interrupt / vehicle kill switch would be installed on my car. I only became aware of this device days after the vehicle was already in my possession, when representatives of the finance company came to my place of employment and placed a switch on my vehicle. There was no clear prior written disclosure, explanation, or consent provided regarding : The existence of the device The conditions under which it could be activated Any grace period or required notices I believe this is deceptive and may violate state and federal consumer protection laws. Despite having no missed payments, a collection representative has : Spoken to me in a rude, aggressive, and demeaning manner Threatened to shut my vehicle off Used intimidation tactics that caused distress and fear of losing transportation to work Threatening to disable a vehicle when payments have been consistently made and without proper notice is unreasonable and potentially unlawful. The finance company came to my job and made contact regarding my vehicle and account. This was humiliating, inappropriate, and disruptive. This conduct has caused unnecessary stress, fear of loss of transportation, and disruption to my employment. I believe I have been treated unfairly despite acting in good faith and maintaining my financial obligations.
Frequently Asked Questions
What is Complaint #18397172 about?
Complaint #18397172 was filed against Pronto Finance INC. regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2025-12-31T12:00:00-05:00.
How did Pronto 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 Pronto Finance INC.?
Yes, visit the Pronto Finance INC. company profile at readthecomplaint.com/company/pronto-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.