or subjected to any similar action

What the CFPB Record Shows About or subjected to any similar action

or subjected to any similar action has accumulated 3 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 3 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to ( 2 , and the most recent logged activity is ( 2 ) that, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, or subjected to any similar action reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "unless the creditor usually and customarily arranges downpayments in that amount. XXXX XXXX OWES ME BACK MY DOWN PAYMENT I GAVE THEM after being coerced AT THE TIME OF EXTENDING CREDIT XX/XX/XXXX. XXXX XXXX HAS BEEN FURNISHING", and the single most common underlying issue is "EXTORTED ME INTO MAKING PAYMENTS WHICH IS '' UNJUST ENRICHMENT '' AFTER THEY ILLEGALLY CHARGED OFF THE ACCOUNT AND STOLE THE CAR FROM ME IN A REPOSSION. THEY HAVE TARNISHED MY NAME AND MADE ME LOOK UNCREDIT WORTHY BY FURNISHING THIS INFORMATION I HAVE NOT BEEN ABLE TO EXTEND CREDIT IN COMMERCE WHICH IS MY RIGHT DUE TO THIS. There are FEDERAL LAWS that the furnishing of this account on my consumer reports are breaking. This account should of been deleted years ago since the first delinquency occurred in XXXX XXXX. And due to FEDERAL LAWS ON STATUE LIMITATIONS- 7 YEARS AND HALF are only as long as negative information can report on a consumer report. This account should of been deleted and off my report back in XX/XX/XXXX no later than XXXX XXXXBut not only did XXXX XXXX break FEDERAL LAW once they charged off this account then furnished it on my consumer reports Reporting charge offs are illegal on consumer reports because the IRS PUBLICATION STATES CANCELLED DEBT ARE CONSIDERED GROSS INCOME AND 1099C ISSUED AND CLAIMED WHEN TAX FILING INCOME SHOULD NOT BE ON A CONSUMERS REPORT. Under 15 USC 1681 ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating or subjected to any similar action: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.