Total complaints
1
Filed since XXXX
2026 data Public-data reference. official source
then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed's complaint history from CFPB public records. 1 consumers have filed complaints since XXXX. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
XXXX
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed complaint mix by product
- then it 1 100.0% – 0% relief
How then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| then it should have been included in the finance charge. The Finance Charge as defined in 15 U.S.C. 1605 is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. There should be no cash transactions involved during a consumer credit transaction. Charging a down payment where no cash should have been included is a violation of the Truth in Lending Act and has been mislabeled in the model form. This is a violation of 15 U.S.C. 1638 ( a ) ( 2 ) ( A ). As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. Again | 1 |
Top States
| State | Complaints |
|---|---|
| but debt suspension insurance and debt cancellation insurance are two additional insurances which follow the same requirements. XXXX XXXX XXXX XXXX doesnt offer these insurances theres still a requirement to disclose them in accordance with 12 C.F.R. 1026.4 ( d ) upon which the debtor is to sign off on either to waive the insurances or accept them. If its required | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| except as otherwise provided in this section | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed
then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes 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 XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed 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 "then it should have been included in the finance charge. The Finance Charge as defined in 15 U.S.C. 1605 is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. There should be no cash transactions involved during a consumer credit transaction. Charging a down payment where no cash should have been included is a violation of the Truth in Lending Act and has been mislabeled in the model form. This is a violation of 15 U.S.C. 1638 ( a ) ( 2 ) ( A ). As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. Again", and the single most common underlying issue is "except as otherwise provided in this section".
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 then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed: 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.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed have?
then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed respond to complaints on time?
then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed has a 0% timely response rate to CFPB complaints.
What is the most common complaint about then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed?
The most common issue reported against then the finance charge and the total of payments should be calculated the same in the H-1 Credit Sale model form. They are not calculated the same and so have been miscalculated in the model form which is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. 12 C.F.R. 1026.4 defines the finance charge as the cost of consumer credit as a dollar amount. The finance charge on the model form says the dollar amount the credit will cost you. It says nothing about consumer credit as can be seen in exhibit G. This has been mislabeled on the model form and is a violation of 15 U.S.C. 1638. As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 161XXXX. XXXX XXXX XXXX failed to give the proper insurance disclosures. The option for credit life insurance was disclosed is "except as otherwise provided in this section" in the "then it should have been included in the finance charge. The Finance Charge as defined in 15 U.S.C. 1605 is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. There should be no cash transactions involved during a consumer credit transaction. Charging a down payment where no cash should have been included is a violation of the Truth in Lending Act and has been mislabeled in the model form. This is a violation of 15 U.S.C. 1638 ( a ) ( 2 ) ( A ). As such the respondent would be civilly liable under 15 U.S.C. 1640 as well as criminally liable under 15 U.S.C. 1611. Again" product category.
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