Vehicle loan or lease -- Getting a loan or lease -- Complaint #19021704
Complaint Overview
Complaint ID: 19021704
Company: Ea Holdings CORP.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Confusing or misleading advertising or marketing
State: Illinois
ZIP Code: 60160
Date Received: 2026-01-26T12:00:00-05:00
Date Sent to Company: 2026-02-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Easy Acceptance regarding deceptive, predatory, and unlawful lending practices related to my vehicle purchase and financing. At the time of sale, I was XXXX months pregnant and medically vulnerable. I was subjected to high-pressure sales tactics and was not properly informed of the true loan terms. The dealership failed to disclose the APR ( 21.90 % ), finance charges, and total cost of credit prior to signing, in violation of federal disclosure requirements. I did not receive a complete copy of the retail installment contract at the time of signing and was not provided my contract until months later, despite repeated requests. When I finally received the contract, I discovered material loan terms that had never been disclosed to me. Within XXXX hours of taking possession of the vehicle, I went into labor. After discharge from the hospital, I discovered the vehicle had serious mechanical defects, requiring major suspension repairs and extended service time. The dealership had not even performed a basic oil change prior to delivery. Repairs were only made after I threatened to return the vehicle. Despite placing the account in dispute, I was subjected to repeated harassing collection calls and text messages. I also discovered that an unauthorized vehicle inquiry and/or tradeline was placed on my credit report for a vehicle I never purchased, constituting unauthorized access to my credit and inaccurate credit reporting. Due to these violations, I have served both companies with a formal pre-litigation legal notice demanding rescission of the contract, full refund, and deletion of all credit reporting. I am requesting immediate regulatory investigation and enforcement. All supporting documentation and evidence are attached.
Frequently Asked Questions
What is Complaint #19021704 about?
Complaint #19021704 was filed against Ea Holdings CORP. regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2026-01-26T12:00:00-05:00.
How did Ea Holdings CORP. 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 Ea Holdings CORP.?
Yes, visit the Ea Holdings CORP. company profile at readthecomplaint.com/company/ea-holdings-corp 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.