Vehicle loan or lease -- Struggling to pay your loan -- Complaint #6613980
Complaint Overview
Complaint ID: 6613980
Company: Road Auto Finance, LLC
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Struggling to pay your loan
Sub-Issue: Lender trying to repossess or disable the vehicle
State: Florida
ZIP Code: 32257
Date Received: 2023-02-24T12:00:00-05:00
Date Sent to Company: 2023-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After numerous attempts to notify loan company of my consumer rights being violated by dealership and letting them know im going through the process of getting things overturned and requesting a debt validation to no avail. Road Auto Finance released my personal ie. ( My name and my address ) information to a third party tow company without my consent violating my consumer rights in L5 U.S.C. 552a Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protectsrecords about individuals retrieved by personal identifierssuch as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain. Also as I was sitting in my car at XXXX. the tow company came and hooked up to my vehicle while I was in the vehicle. I got out of the vehicle and asked him what is he doing he then told me he was repossessing the vehicle. Which falls under the FL state law Breach of peace. Because this was an attempt to take possession of a vehicle with my person physically being in the vehicle. Taking possession of vehicle in this nature is a breach of peace and HIGHLY ILLEGAL. Under Florida law, disorderly conduct or breach of peace isclassified as a second degree misdemeanor, carrying penalties of up to 60 days in jail or 6 months of probation, and a {$500.00} fine This violation of consumer rights is on the finance companies fault.
Frequently Asked Questions
What is Complaint #6613980 about?
Complaint #6613980 was filed against Road Auto Finance, LLC regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2023-02-24T12:00:00-05:00.
How did Road Auto Finance, 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 Road Auto Finance, LLC?
Yes, visit the Road Auto Finance, LLC company profile at readthecomplaint.com/company/road-auto-finance-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.