Vehicle loan or lease -- Getting a loan or lease -- Complaint #7492611
Complaint Overview
Complaint ID: 7492611
Company: America First Federal Credit Union
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Confusing or misleading advertising or marketing
State: Utah
ZIP Code: 84070
Date Received: 2023-09-02T12:00:00-05:00
Date Sent to Company: 2023-09-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX. On XX/XX/XXXX, a judgment was awarded against me in small claims court in XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX State of Utah ( Civil No XXXX ). On XX/XX/XXXX, I entered into a purchase agreement based on good faith that both companies ( XXXX and America Fist Credit Union ) XXXX XXXX was emissions free but cheat emissions test software was installed on my vehicle in the US for seven years. XXXX did so through a clever piece of software that could identify when it was being tested and reduce harmful exhaust numbers while not actually reduce emissions in some tests emission were even higher So it looked as if the cars met Utah state emission requirements, when in fact the XXXX XXXX did not. The discovery of the device was made in XXXX. XXXX halted all sales of its vehicles in XXXX and a nation-wide recall and buy back for these XXXX Vehicles XXXX offered, along with criminal charges obstruction of justice and a XXXX XXXX in fines enforced by the US Justice Department XXXX Plus, in a third settlement, XXXX has agreed to pay {$50.00} million in civil penalties for alleged violations of XXXX. The XXXXustice Department alleged that a XXXX entity supported the sales and leasing of certain XXXX vehicles, including the defeat-device vehicles, by offering competitive financing terms by purchasing from dealers XXXX Vehicles by retail installment contracts ( i.e. loans, financing and leases ) entered into by customers such as myself that all of this deception was going on for years prior to me buying a XXXX with American First Credit Union. No buy back or compensation was ever initiated or offered by American First Credit Union for the XXXX XXXX. My experience was the opposite, no alternatives were offered I was told to make the payment or they would repossess the vehicle a promise they clearly meant to keep. The Dealership and America First Credit Union, misrepresent the facts during my purchase and breached any said contract at the point of sale by not disclosing information relevant to me making a competent well informed purchase decision and by doing so willfully and knowingly sold an altered and misrepresented consumer product or XXXX vehicle doesnt this behavior make the initial contract agreement void because it was entered under false pretenses? Not only has ( America First Credit Union ) deceived me the consumer but also the courts by with holding information relevant to the court making a fair and impartial ruling, if presented with all the facts? The 3 credit Bureaus have all remove this from my file as fraud. The judgment creditor has been asked to file an Acknowledgment of Satisfaction of Judgment form with the court. I did so XX/XX/XXXX.
Frequently Asked Questions
What is Complaint #7492611 about?
Complaint #7492611 was filed against America First Federal Credit Union regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2023-09-02T12:00:00-05:00.
How did America First Federal Credit Union 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 America First Federal Credit Union?
Yes, visit the America First Federal Credit Union company profile at readthecomplaint.com/company/america-first-federal-credit-union 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.